Senior Associate, Data Science - Consumer Credit Risk Models and Data
Company: Capital One
Location: Mc Lean
Posted on: April 1, 2026
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Job Description:
Senior Associate, Data Science - Consumer Credit Risk Models and
Data Data is at the center of everything we do. As a startup, we
disrupted the credit card industry by individually personalizing
every credit card offer using statistical modeling and the
relational database, cutting edge technology in 1988! Fast-forward
a few years, and this little innovation and our passion for data
has skyrocketed us to a Fortune 200 company and a leader in the
world of data-driven decision-making. 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. Team
Description Have you ever seen the headline in the news “ Banks
Pass Federal Reserve Stress Tests ” and wondered how Capital One
determines how much savings (or “capital”) it needs? Or maybe how
we analyze the potential impact of the next recession? At the heart
of these questions are sophisticated econometric loss models that
help us understand the ways in which the economy impacts our loan
portfolios and guide strategic decision making at the highest
levels of Capital One. In the Consumer Credit Risk Management
Models and Data Team, we blend cutting-edge quantitative methods,
with a deep understanding of our business, data, and regulatory
environment to build and deploy predictive models for losses,
account volumes and outstanding balances. These models drive key
strategic decisions for loss allowances, stress testing, and
capital allocation as well as informing our earnings calls and
recession preparedness. If this sounds interesting to you, join us!
As a Data Scientist on the deployment & platform side of the team,
you’ll be at the forefront helping us to usher in the next wave of
disruption by using the latest technology to deploy, optimize and
modernize model pipelines and execution platforms that enable
machine learning models to provide powerful insights about our
portfolio and growth opportunities through new data sources. You
will partner with best-in-class data scientists, analysts, and
engineers to innovate solutions that directly impact the company’s
bottom line in a meaningful way. You will do it all in a
collaborative environment that values your insight, encourages you
to take on new responsibilities, promotes continuous learning, and
rewards innovation. Role Description In this role, you will:
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, Spark,
and more — to reveal the insights hidden within huge volumes of
data Optimize and deploy 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
The Ideal Candidate is: Customer first. You love the process of
analyzing and creating, but also share our passion to do the right
thing. You know at the end of the day it’s about making the right
decision for our customers. Technical. You’re comfortable with
open-source languages and are passionate about developing further.
You have hands-on experience developing data science solutions
using open-source tools and cloud computing platforms. A data guru.
“Big data” doesn’t faze you. You have the skills to retrieve,
combine, and analyze data from a variety of sources and structures.
You know understanding the data is often the key to great data
science. Statistically-minded. You’ve built models, validated them,
and back tested them. You know how to interpret a confusion matrix
or a ROC curve. You have experience with clustering,
classification, sentiment analysis, time series, and deep learning.
Basic Qualifications: Currently has, or is in the process of
obtaining one of the following with an expectation that the
required degree will be obtained on or before the scheduled start
date: A Bachelor's Degree in a quantitative field (Statistics,
Economics, Operations Research, Analytics, Mathematics, Computer
Science, or a related quantitative field) plus 2 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 Preferred
Qualifications: Master’s Degree in “STEM” field (Science,
Technology, Engineering, or Mathematics), or PhD in “STEM” field
(Science, Technology, Engineering, or Mathematics) Experience
working with AWS At least 2 years’ experience in Python, Scala, or
R At least 2 years’ experience with machine learning At least 2
years’ experience with SQL Capital One will consider sponsoring a
new qualified applicant for employment authorization for this
position. The minimum and maximum full-time annual salaries for
this role are listed below, by location. Please note that this
salary information is solely for candidates hired to perform work
within one of these locations, and refers to the amount Capital One
is willing to pay at the time of this posting. Salaries for
part-time roles will be prorated based upon the agreed upon number
of hours to be regularly worked. McLean, VA: $135,600 - $154,800
for Sr Assoc, Data Science Candidates hired to work in other
locations will be subject to the pay range associated with that
location, and the actual annualized salary amount offered to any
candidate at the time of hire will be reflected solely in the
candidate’s offer letter. This role is also eligible to earn
performance based incentive compensation, which may include cash
bonus(es) and/or long term incentives (LTI). Incentives could be
discretionary or non discretionary depending on the plan. Capital
One offers a comprehensive, competitive, and inclusive set of
health, financial and other benefits that support your total
well-being. Learn more at the Capital One Careers website .
Eligibility varies based on full or part-time status, exempt or
non-exempt status, and management level. This role is expected to
accept applications for a minimum of 5 business days. No agencies
please. Capital One is an equal opportunity employer (EOE,
including disability/vet) committed to non-discrimination in
compliance with applicable federal, state, and local laws. Capital
One promotes a drug-free workplace. Capital One will consider for
employment qualified applicants with a criminal history in a manner
consistent with the requirements of applicable laws regarding
criminal background inquiries, including, to the extent applicable,
Article 23-A of the New York Correction Law; San Francisco,
California Police Code Article 49, Sections 4901-4920; New York
City’s Fair Chance Act; Philadelphia’s Fair Criminal Records
Screening Act; and other applicable federal, state, and local laws
and regulations regarding criminal background inquiries. If you
have visited our website in search of information on employment
opportunities or to apply for a position, and you require an
accommodation, please contact Capital One Recruiting at
1-800-304-9102 or via email at
RecruitingAccommodation@capitalone.com . All information you
provide will be kept confidential and will be used only to the
extent required to provide needed reasonable accommodations. For
technical support or questions about Capital One's recruiting
process, please send an email to Careers@capitalone.com Capital One
does not provide, endorse nor guarantee and is not liable for
third-party products, services, educational tools or other
information available through this site. Capital One Financial is
made up of several different entities. Please note that any
position posted in Canada is for Capital One Canada, any position
posted in the United Kingdom is for Capital One Europe and any
position posted in the Philippines is for Capital One Philippines
Service Corp. (COPSSC).
Keywords: Capital One, Richmond , Senior Associate, Data Science - Consumer Credit Risk Models and Data, IT / Software / Systems , Mc Lean, Virginia
