Principal Data Scientist (Credit Risk for Small Business and Commercial)
职位描述
Provide strategic data science, machine learning, and advanced analytics leadership to inform mission-critical decisions across the organization, with a primary focus on small business lending. Leverage small business credit, application, financial statement, cash flow, transaction, and performance data to shape underwriting, risk segmentation, pricing, portfolio management, and the end-to-end member lending experience. Partner with senior leaders and cross-functional stakeholders to identify high-impact opportunities, influence product and credit strategies, and translate complex data into scalable analytical solutions, actionable insights, and measurable business outcomes. Advance the organization’s analytical capabilities through descriptive, predictive, and prescriptive modeling and the responsible application of leading data science techniques. Operate as a trusted advisor and advanced practitioner, leading complex initiatives with broad independent judgment and developing analytical talent across the team.
- Design, develop, and evaluate large and complex predictive models and advanced algorithms
- Test hypotheses/models, analyze, and interpret results
- Develop actionable insights and recommendations
- Develop and code complex software programs, algorithms, and automated processes
- Use evaluation, judgment, and interpretation to select right course of action
- Work on problems of diverse scope where analysis of information requires evaluation of identifiable factors
- Produce innovative solutions driven by exploratory data analysis from complex and high-dimensional datasets
- Transform data into charts, tables, or format that aids effective decision making
- Utilize effective written and verbal communication to document analyses and present findings analyses to a diverse audience of stakeholders
- Develop and maintain strong working relationships with team members, subject matter experts, and leaders
- Lead moderate to large projects and initiatives
- Model best practices and ethical AI
- Works with senior management on complex issues
- Assist with the development and enhancement practices, procedures, and instructions
- Serve as technical resource for other team members
- Mentor lower levels
- 6+ years of experience with requisite competencies
- Complete knowledge and full understanding of specialization
- Statistics, machine learning , data mining, data auditing, aggregation, reconciliation, and visualization
- Programming, data modeling, simulation, and advanced mathematics
- SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWS
- Model lifecycle execution
- Technical writing
- Data storytelling and technical presentation skills
- Research Skills
- Interpersonal Skills
- Advanced 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.)
- Independent Judgment
- Problem Solving (Identifies the constraints and risks)
- Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fields
Desired Qualifications
- Master’s or doctoral degree in data science, statistics, mathematics, computer science, engineering, or a related quantitative discipline
- Demonstrated success applying data science, machine learning, or advanced analytics to small business banking, commercial lending, or small business lending strategies
- Deep experience designing and implementing analytical solutions across the lending lifecycle, including originations, underwriting, credit decisioning, pricing, account management, portfolio monitoring, and collections
- Strong command of small business credit risk, cash flow underwriting, commercial credit data, financial statements, transaction data, and alternative data sources
- Proven ability to influence senior leaders and partner across lending product, credit risk, underwriting, operations, and model risk to translate analytical insights into strategic business decisions
Additional Information
Hours:
- Monday - Friday, 8:00AM - 4:30PM
Location:
- 820 Follin Lane, Vienna, VA 22180
提及的技能
Navy Federal Credit Union is the largest natural member credit union in the United States, specializing in providing financial services to the military, veterans, and their families. Since its founding in 1933, Navy Federal has expanded its field of membership beyond Navy Department employees to now include all Department of Defense personnel, members of the Coast Guard, and their qualifying family members. This unique mission drives the credit union to cater specifically to the needs of this community, offering an array of products and services including checking and savings accounts, credit cards, loans, and mortgages. Our commitment is to ensure that our members receive competitive rates and superior customer service. The Navy Federal philosophy of 'Our Members are the Mission' underscores our focus on delivering personalized service. We understand that our members face specific financial challenges, and we strive to provide tailored solutions that aid in achieving their financial goals. Additionally, our commitment to our community is evident through various charitable initiatives, financial education programs, and partnerships with military organizations. With over 14 million members and a dedicated team of more than 24,000 employees, we are proud to be trusted financial partners to those who keep our nation safe.
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