Senior Data Scientist (Auto Loan Pricing)
Navy Federal Credit Union
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Job summary
Navy Federal Credit Union in Vienna, VA seeks an experienced data scientist to provide independent data science, ML, and analytical insights to support critical decisions using member, financial, and organizational data.
Responsibilities include building descriptive, predictive, and prescriptive models, collaborating with stakeholders, and leading small projects while upholding best practices in ethical AI and governance.
Qualifications
- 3-5 years of experience in exploratory data analysis.
- Statistics, Programming, data modeling, simulation, and advanced mathematics.
- SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWS, Databricks.
- Model lifecycle execution.
- Data storytelling and technical presentation skills.
Responsibilities
- Design, develop, and evaluate moderately complex predictive models and advanced algorithms.
- Identify meaningful insights from large data and metadata sources by selecting and applying effective analytic tools and techniques.
- Test hypotheses/models, analyze, and interpret results.
- Exercise sound judgment and discretion within defined procedures and practices.
- Develop and code moderately complex software programs and automated processes.
- Use modeling and trend analysis to analyze data and provide insights.
- Transform data into charts, tables, or formats aiding decision making.
- Lead small projects and initiatives.
- Communicate pricing strategies and analytical approaches to stakeholders.
- Lead reviews of pricing policies and portfolio performance and support governance discussions.
- Design and enhance pricing frameworks for Auto Lending products using analytics.
- Collaborate on pricing experiments and test-and-learn initiatives across pricing scenarios.
- Develop industry expertise in Auto Lending markets with competitive research.
Skills
Education
Tools
Job description
Navy Federal Credit Union currently does not provide sponsorship for this role. Applicants must be authorized to work in the United States without the need for current or future sponsorship.
Provide independent data science, machine learning, and analytical insights using member, financial, and organizational data to support mission critical decision making for various areas of the organization. Understand business needs and identify opportunities for new products, services, and process optimization to meet business objectives through the use of cutting‑edge data science. Create descriptive, predictive, and prescriptive models and insights to drive impact across the organization. Conduct work assignments of increasing complexity, under moderate supervision with some latitude for independent judgment. Intermediate professional within field; requires moderate skill set and proficiency in discipline
- Design, develop, and evaluate moderately complex predictive models and advanced algorithms
- Identifies meaningful insights from large data and metadata sources by selecting and applying the most effective analytical tools, methodologies, and technologies
- Test hypotheses/models, analyze, and interpret results
- Exercise sound judgment and discretion within defined procedures and practices
- Develop and code moderately complex software programs, algorithms, and automated processes
- Use modeling and trend analysis to analyze data and provide insights
- Develop understanding of best practices and ethical AI
- Transform data into charts, tables, or format that aids effective decision making
- Build working relationships with team members and subject matter experts
- Lead small projects and initiatives
- Partners with key stakeholders to communicate pricing strategies and analytical approaches, translating technical findings into business‑relevant insights that drive alignment, decision‑making, and executive approval
- Lead the review and governance of pricing policies and portfolio performance, executing recurring pricing analyses, monitoring activities, and optimization initiatives to support strategic pricing decisions and governance committee discussions
- Design and enhance pricing frameworks for Auto Lending products, leveraging advanced analytics, predictive modeling, and optimization techniques to evaluate pricing alternatives and inform business strategy
- Lead and collaborate with cross‑functional teams to design, implement, and assess pricing experiments and test‑and‑learn initiatives, generating insights into borrower behavior and pricing elasticity across various pricing scenarios.
- Develop and maintain deep industry expertise in the Direct and Indirect Auto Lending markets through competitive research, market intelligence, bureau data assessments, while supporting organizational knowledge‑sharing and stakeholder education efforts
- 3-5 years of experience in exploratory data analysis
- Basic understanding of business and operating environment
- Statistics
- Programming, data modeling, simulation, and advanced mathematics
- SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWS, Databricks
- Model lifecycle execution
- Technical writing
- Data storytelling and technical presentation skills
- Research Skills
- Interpersonal Skills
- Working knowledge of procedures, instructions, and validation techniques
- Model Development
- Communication
- Critical Thinking
- Collaborate and Build Relationships
- Initiative with sound judgement
- Technical (Big Data Analysis, Coding, Project Management, Technical Writing, etc.)
- Sound Judgment
- Problem Solving (Responds as problems and issues are identified)
- Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fields
- Master's/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or Engineering
- Monday - Friday, 8:00AM - 4:30PM
- 820 Follin Lane, Vienna, VA 22180
Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.
Our approach to careers is simple yet powerful: Make our mission your passion.
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From Fortune Magazine. © 2026 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune 100 Best Companies to Work For are registered trademarks of Fortune Media IP Limited and are used under license. Fortune Magazine, Fortune Media (USA) Corporation, and its affiliates are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.
All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.
If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at medicalaccommodations@navyfederal.org or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.
Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.
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