Principal Data Scientist (Credit Risk)

Company: Navy Federal Credit Union
Location: Vienna
Posted on: July 1, 2025

Job Description:

Provide independent data science, machine learning, and analytical insights using member, financial, and organizational data to support mission critical decision making for credit card account management, collections, and loan pricing. Understand business needs and identify opportunities for new products, services, and process optimization to meet business objectives through the use of cutting-edge data science. Create descriptive, predictive, and prescriptive models and insights to drive impact across the organization. Regarded as an advanced professional in the data science field. Conduct complex work under minimal supervision and with wide latitude for independent judgment. Mentor lower-level staff. This position is eligible for the TalentQuest employee referral program. If an employee referred you for this job, please apply using the system-generated link that was sent to you. Responsibilities • Design, develop, and evaluate large and complex predictive models and advanced algorithms to effectively segment accounts and members by risk level to prioritize collections outreach efforts • Use statistical techniques to evaluate new data sources and models for their ability to improve the effectiveness of existing account management strategies, including collections • Translate statistical model and strategy changes into business impact along member experience and financial dimensions • Collaborate across credit risk, business unit, and technology systems teams to implement models and strategies for improved account management and collections risk segmentation • 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 Qualifications • 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 • Python, SQL, R, Databricks, SAS • 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) • Bachelors Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fields Desired Qualification • Masters/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or Engineering

Keywords: Navy Federal Credit Union, Reston , Principal Data Scientist (Credit Risk), Science, Research & Development , Vienna, Virginia