Principal Data Scientist (Credit Risk & Decision Science)

Overview

The Credit Risk & Decision Science team within the Lending Analytics department is responsible for developing and implementing analytical solutions that drive changes to underwriting policies across Navy Federal Credit Union’s various lending products. Data scientists within this team will focus on two areas. Firstly, they will leverage analytics to define and monitor credit card account management strategies such as proactive line increase and reactive line increase to name a few. This will include developing and recommending test and control strategies to better understand cardholder behavior. Secondly, data scientists will leverage the existing pricing framework to support rate changes across various lending portfolios. Successful candidates will exhibit effective communication and analytical skills as well as strong leadership qualities.

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Responsibilities

Design, develop, and evaluate large and complex predictive models and advanced algorithms Test hypotheses/models, analyze, and interpret resultsDevelop actionable insights and recommendationsDevelop and code complex software programs, algorithms, and automated processesUse evaluation, judgment, and interpretation to select right course of actionWork on problems of diverse scope where analysis of information requires evaluation of identifiable factorsProduce innovative solutions driven by exploratory data analysis from complex and high-dimensional datasetsTransform data into charts, tables, or format that aids effective decision makingUtilize effective written and verbal communication to document analyses and present findings analyses to a diverse audience of stakeholders Develop and maintain strong working relationships with team members, subject matter experts, and leadersLead moderate to large projects and initiativesModel best practices and ethical AIWorks with senior management on complex issuesAssist with the development and enhancement practices, procedures, and instructionsServe as technical resource for other team membersMentor lower levels

Qualifications

6+ years of experience with requisite competenciesFamiliar with analytical frameworks used to support the pricing of lending productsFamiliar with analytical models/analysis used to support credit card underwriting and account management underwriting policiesFamiliar using GitHub for documentation and code collaboration purposesComplete knowledge and full understanding of specializationStatistics, machine learning , data mining, data auditing, aggregation, reconciliation, and visualizationProgramming, data modeling, simulation, and advanced mathematics SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWSModel lifecycle executionTechnical writingData storytelling and technical presentation skillsResearch SkillsInterpersonal SkillsAdvanced knowledge of procedures, instructions and validation techniquesModel DevelopmentCommunicationCritical ThinkingCollaborate and Build RelationshipsInitiative with sound judgementTechnical (Big Data Analysis, Coding, Project Management, Technical Writing, etc.)Independent JudgmentProblem Solving (Identifies the constraints and risks)Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fields

Desired Qualification(s)

Master's/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or Engineering

Hours: Monday - Friday, 8:00AM - 4:30PM

Location: 820 Follin Lane, Vienna, VA 22180

About Us

You have goals, dreams, hobbies, and things you're passionate about—what's important to you is important to us. We're looking for people who not only want to do meaningful, challenging work, keep their skills sharp and move ahead, but who also take time for the things that matter to them—friends, family, and passions. And we're looking for team members who are passionate about our mission—making a difference in military members' and their families' lives. Together, we can make it happen. Don't take our word for it:

Military Times 2022 Best for Vets Employers WayUp Top 100 Internship Programs Forbes® 2022 The Best Employers for New Grads Fortune Best Workplaces for Women Fortune 100 Best Companies to Work For® Computerworld® Best Places to Work in IT Ripplematch Campus Forward Award - Excellence in Early Career Hiring Fortune Best Place to Work for Financial and Insurance Services

Equal Employment Opportunity: Navy Federal values, celebrates, and enacts diversity in the workplace. Navy Federal takes affirmative action to employ and advance in employment qualified individuals with disabilities, disabled veterans, Armed Forces service medal veterans, recently separated veterans, and other protected veterans. EOE/AA/M/F/Veteran/Disability EOE/AA/M/F/Veteran/Disability

Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position

Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.