Manager, Data Scientist – Credit Review

Capital One; Charlotte (NC); On-site; USD 179,000 - 205,000; Full time

Job summary

Capital One is hiring a Data Scientist to lead data-driven decision making at scale, working across billions of records with the latest computing and machine learning technologies. You’ll collaborate with data scientists, credit risk experts, and product managers to build models, validate them, and translate results into measurable business outcomes.

A strong foundation in open-source tools and cloud platforms is essential.

Qualifications

• Proficiency in open-source programming languages for large-scale data analysis.
• Experience building, validating, and deploying data science models.
• Ability to translate complex analyses into business impact.

Responsibilities

• Leverage a broad stack of technologies to reveal insights from large data sets.
• Build statistical and ML models to challenge production models.
• Translate complex work into tangible business goals.
• Partner with data scientists, credit risk experts, and product managers to deliver a customer-loved product.

Skills

Python

Conda

AWS

H2O

Spark

Education

Bachelor's degree in quantitative field

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

PhD in quantitative field

Tools

Relational databases

Job description

Data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making.

As a Data Scientist at Capital One, you’ll be part of a team that’s leading the next wave of disruption at a whole new scale, using the latest in computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives.

Team Description

In Capital One’s Credit Review Models, Data and Innovative solutions team, we defend the company against model failures and find new ways of making better decisions with models. We use our statistics, software engineering, and business expertise to drive the best outcomes in both Risk Management and the Enterprise. We understand that we can’t prepare for tomorrow by focusing on today, so we invest in the future: investing in new skills, building better tools, and maintaining a network of trusted partners.

We partner with best-in-class data scientists, analysts, credit risk management experts, and engineers to innovate solutions that directly impact the company’s bottom line in a meaningful way. We do it all in a collaborative environment that values individual insight, encourages each associate to take on new responsibilities, promotes continuous learning, and rewards innovation.

Role Description

In this role, you will:

• Leverage a broad stack of technologies, such as, Python, Conda, AWS, H2O, Spark, and more, to reveal the insights hidden within huge volumes of numeric and textual data
• Build statistical and machine learning models to challenge the models in production
• Flex your interpersonal skills to translate the complexity of your work into tangible business goals
• Partner with a cross-functional team of data scientists, credit risk experts, and product managers to deliver a product customers love

The Ideal Candidate is:

• 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.
• 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.

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 6 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 4 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 1 year of experience performing data analytics
• At least 1 year of experience leveraging open‑source programming languages for large scale data analysis
• At least 1 year of experience working with machine learning
• At least 1 year of experience utilizing relational databases

Preferred Qualifications:

• PhD in “STEM” field (Science, Technology, Engineering, or Mathematics) plus 3 years of experience in data analytics
• At least 4 years’ experience in Python, Scala, or R for large scale data analysis
• At least 4 years’ experience with machine learning
• At least 4 years’ experience with predictive modeling

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

Charlotte, NC: $179,400 – $204,700 for Mgr, Data Science

McLean, VA: $197,300 – $225,100 for Mgr, Data Science

New York, NY: $215,200 – $245,600 for Mgr, Data Science

Plano, TX: $179,400 – $204,700 for Mgr, Data Science

Richmond, VA: $179,400 – $204,700 for Mgr, Data Science

Riverwoods, IL: $179,400 – $204,700 for Mgr, 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.

This role is expected to accept applications for a minimum of 5 business days.

No agencies please. 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 does not provide, endorse nor guarantee and is not liable for third‑party products, services, educational tools or other information available through this site.

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).