Director, Data Scientist - US Card

Capital One; New York (NY); On-site; USD 294,000 - 335,000; Full time

Job summary

Capital One's US Card Data Science team in New York seeks a data science leader to build and deploy ML models across the credit card lifecycle, partnering with engineers and product managers to drive measurable business impact.

Ideal candidates have Python/Scala/R and open-source tools, AWS experience, and strong communication skills; they are customer-focused, innovative, and capable of leading teams toward practical business outcomes.

Qualifications

• Bachelor's/Master's/PhD in a quantitative field with data analytics experience.
• At least 4 years using open-source languages for large-scale data analytics.
• 4+ years working with machine learning and relational databases.

Responsibilities

• Partner with data scientists, software engineers and product managers to deliver a product customers love.
• Build ML models through design, training, evaluation, validation and implementation.
• Translate complex insights into tangible business goals for customers.

Skills

Open-source languages

Machine learning

Relational databases

Python/Scala/R

Education

Bachelor's degree in quantitative field

Master's degree in quantitative field or MBA with quantitative concentration

PhD in quantitative field

Tools

AWS

Spark

H2O

Job description

Team Description:

The US Card Data Science organization at Capital One leverages our massive wealth of customer data to drive business strategy and deliver world-class customer experiences. Our team builds and deploys sophisticated data science and machine learning models across the entire credit card lifecycle—including marketing, acquisitions, underwriting, and fraud prevention. In this role, you will turn complex insights into real-world impact, shaping financial products that serve and protect millions of cardholders daily.

Role Description:

In this role, you will:

• Partner with a cross‑functional team of data scientists, software engineers, and product managers to deliver a product customers love
• Leverage a broad stack of technologies — Python, Conda, AWS, H2O, Spark, and more — to reveal the insights hidden within huge volumes of numeric and textual data
• Build machine learning models through all phases of development, from design through training, evaluation, validation, and implementation
• Flex your interpersonal skills to translate the complexity of your work into tangible business goals

The Ideal Candidate is:

• Customer first. You love the process of analyzing and creating, but also share our passion to do the right thing. You know at the end of the day it’s about making the right decision for our customers.
• Innovative. You continually research and evaluate emerging technologies. You stay current on published state‑of‑the‑art methods, technologies, and applications and seek out opportunities to apply them.
• Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You’re not afraid to share a new idea.
• A leader. You challenge conventional thinking and work with stakeholders to identify and improve the status quo. You’re passionate about talent development for your own team and beyond.
• Technical. You’re comfortable with open‑source languages and are passionate about developing further. You have hands‑on experience developing data science solutions using open‑source tools and cloud computing platforms.
• Statistically‑minded. You’ve built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning.
• A data guru. “Big data” doesn’t faze you. You have the skills to retrieve, combine, and analyze data from a variety of sources and structures. You know understanding the data is often the key to great data science.

Basic Qualifications:

• Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:
  • A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 9 years of experience performing data analytics
  • A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 7 years of experience performing data analytics
  • A PHD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 4 years of experience performing data analytics
• At least 4 years of experience leveraging open source programming languages for large scale data analysis
• At least 4 years of experience working with machine learning
• At least 4 years of experience utilizing relational databases

Preferred Qualifications:

• PhD in “STEM” field (Science, Technology, Engineering, or Mathematics) plus 5 years of experience in data analytics
• At least 1 year of experience working with AWS
• At least 3 year of experience managing people
• At least 5 years of experience in Python, Scala, or R for large scale data analysis
• At least 5 years of experience with machine learning

Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.

The minimum and maximum full‑time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part‑time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

Cambridge, MA: $269,100 - $307,200 for Dir, Data Science

McLean, VA: $269,100 - $307,200 for Dir, Data Science

New York, NY: $293,600 - $335,100 for Dir, Data Science

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

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

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Learn more at the Capital One Careers website. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level.

Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

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).