Principal Data Scientist (Credit Risk for Small Business and Commercial)

Lead advanced credit risk analytics for small business and commercial lending at Navy Federal Credit Union in Vienna, VA.

Responsibilities

• Design, develop, and evaluate large and complex predictive models and advanced algorithms
• Test hypotheses, analyze results, and interpret findings to support decision-making
• Develop actionable insights and recommendations across the lending lifecycle
• Develop and code complex software programs, algorithms, and automated processes
• Select the right course of action using evaluation, judgment, and interpretation
• Deliver innovative solutions through exploratory data analysis on complex, high-dimensional datasets
• Transform data into charts, tables, or formats that help stakeholders make effective decisions
• Document analyses and communicate results using effective written and verbal communication to diverse stakeholder groups
• Build and maintain strong working relationships with team members, subject matter experts, and leaders
• Lead moderate to large projects and initiatives
• Model and promote best practices and ethical AI
• Partner with senior management on complex issues
• Assist with development and enhancement of practices, procedures, and instructions
• Serve as a technical resource for other team members
• Mentor lower levels

Requirements

• 6+ years of experience with requisite competencies
• Complete knowledge and full understanding of specialization
• Statistics, machine learning, and data mining experience, including data auditing, aggregation, reconciliation, and visualization
• Programming and advanced technical skills including data modeling, simulation, and advanced mathematics
• Experience across the model lifecycle execution
• SQL, R, Python, Hadoop, SAS, SPSS, Scala, and AWS
• Technical writing skills
• Data storytelling and technical presentation skills
• Research skills, interpersonal skills, communication, and collaboration
• Advanced knowledge of procedures, instructions, and validation techniques
• Model development experience and strong critical thinking
• Ability to identify constraints and risks, solve problems, and use independent judgment with initiative
• Bachelor’s Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or a similar quantitative field
• 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 and commercial 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

Tech Stack

• SQL
• R
• Python
• Hadoop
• SAS
• SPSS
• Scala
• AWS

Schedule

• Monday to Friday: 8:00AM to 4:30PM

Location

• 820 Follin Lane, Vienna, VA 22180
• Onsite

Salary: USD 128,500 to 164,700 per year