Principal Associate, Data Scientist - Cash Flow Underwriting

Capital One
Chicago, IL, USA / McLean, VA, USA / New York, NY, USA2026-03-13Full time

About the job

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. This role is centered on leveraging advanced machine learning techniques to identify and engineer the predictive signals that power our risk and usage models.

Responsibilities

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

Qualifications

Minimum

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

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

A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field)

Preferred

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 1 year of experience working with AWS

At least 3 years’ experience in Python, Scala, or R

At least 3 years’ experience with machine learning

At least 3 years’ experience with SQL