Associate, Data Scientist - New Grad, 2027 Start

Capital One; Toronto; Hybrid; CAD 94,000 - 127,000; Full time

Job summary

Capital One Canada is seeking an Associate Data Scientist who will work with cross-functional teams to build model solutions that address complex business problems. You’ll own end-to-end projects from problem identification to deployment and impact.

You’ll use Python and Spark to analyze large datasets, build predictive models, and monitor model performance. The role is ideal for a new graduate starting in 2027 and offers a hybrid work model in Toronto.

Qualifications

• Bachelor’s degree or higher expected in 2027.
• Pursuing a Bachelor's in Mathematics, Computer Science, Engineering, or another quantitative discipline with a strong coding background.
• Experience using Python.
• Ability to clearly explain technical concepts to a non-technical audience.
• Linux, Git, and AWS experience preferred.
• Previous intern experience and interest in Capital One.

Responsibilities

• Using Python and PySpark to analyze millions of transactions to understand and predict fraud patterns
• Exploring new proprietary data sources and creating predictive models or customer behavior
• Applying machine learning techniques to build financial risk models
• Create and test algorithms to optimize search engine marketing
• Design and develop data pipelines and visualizations to monitor model performance and data quality

Skills

Explain concepts clearly

Verbal & written communication

Internship experience

Capital One familiarity

Education

Bachelor’s degree or higher (2027)

Pursuing Bachelor’s in math/CS/engineering or quantitative field

Tools

Python

PySpark

Linux

Git

AWS

Job description

161 Bay Street (93021), Canada, Toronto, Ontario, Associate, Data Scientist - New Grad, 2027 Start

About Capital One Canada

For 30 years, we’ve been on a mission to change banking for good. We challenge the traditional bank stereotype, fostering a culture where innovation thrives and bold ideas are celebrated. You’ll be empowered to grow your career in a supportive environment where you can own and shape your journey on your own terms. You’ll redefine what’s possible by contributing to work that impacts millions of Canadians, taking ownership of your decisions and outcomes, supported by mentors who will push you to think bigger and challenge the status quo. Are you ready to redefine what’s next?

About the Team

Capital One is more than you think. We're a data-driven tech company that just happens to do credit cards. We focus on customer-first solutions, and we're united with this common goal. We have all the advantages of a startup, with the resources of a big company. Working here means you're curious, innovative spirit will be encouraged as you push boundaries and try new things, while your career is nurtured and supported. Our environment is creative and filled with teams that are passionate about the dynamic work they're doing. We're ahead of other banks in tech and we want to keep it that way.

About the Role

As a Data Scientist Associate, you will work with cross-functional teams to leverage model solutions to solve complex business problems. As a data savvy individual, you will use your skills to identify the best algorithm or model to solve the problem at hand. You will have autonomy to take ownership and lead an end to end project, from problem identification to solution deployment.

Your Responsibilities

• Using Python and PySpark to analyze millions of transactions to understand and predict fraud patterns
• Exploring new proprietary data sources and creating predictive models or customer behavior
• Applying machine learning techniques to build financial risk models
• Create and test algorithms to optimize search engine marketing
• Design and develop data pipelines and visualizations to monitor model performance and data quality

Basic Qualifications

• Will have obtained a Bachelor’s degree or higher in 2027.
• Pursuing a Bachelor's degree in Mathematics, Computer Science, Engineering, or another quantitative discipline with a strong coding background.
• Experience using Python.
• Ability to clearly explain technical concepts to a non-technical audience.

Preferred Qualifications

• Experience in a Linux environment.
• Experience using Git or other version control systems.
• Experience with AWS or other cloud service providers.
• Excellent verbal and written communication skills.
• Previous intern experience.
• Working at Capital One.

Location and Hybrid Model

We support a hybrid model – with 3 days in the office per week – that gives room for both collaboration and personal commitments.

Salary and Incentives

The expected annual salary for this position is $110,000.

This role is also eligible to earn performance-based incentive compensation, which may include cash bonus(es). Incentives could be discretionary or non-discretionary depending on the plan.

Recruiting Process and AI

Weembrace the responsible use of artificial intelligence (AI) to enhance the candidate experience and streamline our recruitment processes. However, no hiring decisions are made using AI as every hiring decision is made by our hiring managers, business interviewers, and recruitment professionals. Our teams are equipped with training that empowers them to use AI responsibly.

Equal Opportunity and Accommodation

Capital One Canada is an equal opportunity employer committed to fostering a diverse and inclusive work environment. We consider all qualified applicants and will meet the needs of those requiring reasonable accommodations. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at [e-mail]. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to [e-mail].

Company Overview

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC). At Capital One, we’re building a leading information-based technology company. Still founder‑led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit.