Principal Data Scientist, Customer Protection Agentic Claims Data Science

Capital One; McLean (VA); On-site; USD 162,000 - 185,000; Full time

Job summary

Capital One is seeking a Principal Data Scientist to lead customer protection and claims data science, working with billions of records to unlock opportunities that improve everyday financial life. You’ll partner with data scientists, engineers, and product managers to deliver scalable, value-driven solutions.

The role requires deep ML experience, strong Python and SQL skills, and a track record in productionizing models in the cloud (AWS).

Qualifications

• Bachelor’s degree in a quantitative field plus 5 years of data analytics experience.
• Master’s degree in a quantitative field or MBA with quantitative concentration plus 3 years of data analytics experience.
• PhD in a quantitative field.

Responsibilities

• Partner with cross-functional teams to deliver a product customers love.
• Leverage a broad stack of technologies — Python, Conda, AWS, H2O, Spark — to reveal insights from large datasets.
• Build ML models from design through training, evaluation, validation, and implementation.
• Translate complex work into tangible business goals.

Skills

Machine learning

Statistics

Data analytics

Education

Bachelor's degree in a quantitative field

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

PhD in a quantitative field

Tools

Python

AWS

Spark

H2O

Conda

SQL

Job description

Principal Data Scientist, Customer Protection Agentic Claims Data Science 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 The Bank Customer Protection Debit & Claims Data Science team builds the machine learning models that help our customers spend safely and get back on track if an issue does occur with their payments. We are constantly looking for ways to get ahead of fraudulent actors and scams before they have a negative impact on customers by analyzing historical transaction activity, account usage, merchant patterns and other data for signals that something is amiss. We use a variety of techniques, including representation learning and gradient boosting machines, to build purpose-built models that power our real-time decision systems. This role will bring these and other methodologies to bear to take our claims processing systems to the next level to get faster, smoother resolutions for our customers.

Role Description

• Partner with a cross-functional team of data scientists, analysts, 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.
• 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.
• 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 5 years of experience performing data analytics.
• 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 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 3 years of experience performing data analytics.
• 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 PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field).

Preferred Qualifications:

• Master’s Degree in “STEM” field (Science, Technology, Engineering, or Mathematics) plus 3 years of experience in data analytics, or PhD in “STEM” field (Science, Technology, Engineering, or Mathematics).
• At least 3 years’ experience with machine learning for predictive tasks.
• At least 3 years’ experience in Python.
• At least 1 year of experience with SQL.
• At least 1 year of experience working with AWS.
• Experience coordinating data science projects in cross-functional teams.
• Experience applying LLMs to solve real-world problems.

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. McLean, VA: $161,800 - $184,600 for Princ Associate, 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. 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.

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].

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). 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.