Senior Data Scientist (Auto Loan Pricing)

Navy Federal Credit Union; Vienna (VA); On-site; USD 110,000 - 160,000; Full time

Job summary

Navy Federal Credit Union is seeking a data scientist/ Pricing Analytics professional to design and evaluate predictive models and pricing strategies. You will work with stakeholders to translate complex analyses into actionable business insights and support governance discussions.

The role emphasizes collaboration across teams, exploration of pricing frameworks for auto lending, and delivering data-driven recommendations to optimize portfolio performance.

Qualifications

• 3-5 years of experience in exploratory data analysis.
• Solid foundation in statistics and mathematical reasoning.
• Experience with big data tools and programming languages.
• Proven ability to translate analytical findings into business insights.

Responsibilities

• Design, develop, and evaluate moderately complex predictive models and advanced algorithms.
• Extract meaningful insights from large data and metadata sources using appropriate tools.
• Test hypotheses, models, and interpret results to inform decisions.
• Develop and code moderately complex software programs and automated processes.
• Lead small projects and communicate pricing strategies to stakeholders.

Skills

Exploratory data analysis

Statistics

Programming

Data modeling

SQL

Python

Data storytelling

Critical thinking

Communication

Education

Bachelor's Degree

Master's/PhD (preferred)

Tools

Hadoop

AWS

Databricks

SAS

R

Job description

Overview

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.

Responsibilities

• 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

Qualifications

• 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

Desired Qualifications

• Master's/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or Engineering

Hours

• Monday - Friday, 8:00AM - 4:30PM

Location

• 820 Follin Lane, Vienna, VA 22180

About Us

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.

• FORTUNE 100 Best Companies to Work For® 2026
• Yello and WayUp Top 100 Internship Programs 2025
• Computerworld® Best Places to Work in IT 2026
• Most Loved Workplace – America’s Top Most Loved Workplaces® 2025
• 2025 PEOPLE® Companies That Care
• Newsweek Most Trustworthy Companies in America 2026
• Military Times 2025 Best for Vets Employers
• Forbes® 2026 America's Best Large Employers
• Forbes® 2025 America's Best Employers for New Grads
• Forbes® 2025 America's Best Employers for Tech Workers
• 2025 RippleMatch Campus Forward Award Winner for Overall Excellence
• Military.com Top Military Spouse Employers 2025
• 2026 Handshake Early Talent Award
• Newsweek America’s Greatest Workplaces for Culture, Belonging and Community 2026

Equal Employment Opportunity

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.

Accommodations

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 [e-mail] or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.