Senior Data Scientist (Underwriting Credit Policy)

OverviewApply promptly! A high volume of applicants is expected for the role as detailed below, do not wait to send your CV.Provide independent data science, machine learning, and analytical insights using member, financial, and organizational data to mitigate credit risk while driving origination growth. Understand business needs and identify opportunities to reduce credit risk and prevent lending losses for new and existing products to meet business objectives. Drive strategic insights in risk management, loss forecasting, and stress testing impacts across the organization through descriptive, predictive, and prescriptive models. Conduct complex work assignments using cutting-edge data science under moderate supervision to enhance analytics infrastructure and deliver actionable insights.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.ResponsibilitiesDesign, develop, and evaluate moderately complex predictive models and advanced algorithmsIdentify meaningful insights from large data and metadata sourcesTest hypotheses/models, analyze, and interpret resultsCreate reporting and analytics functions to evaluate and mitigate credit risk within lending businesses.Exercise sound judgment and discretion within defined procedures and practicesDevelop and code complex software programs, algorithms, and automated processesUse modeling and trend analysis to analyze data and provide insightsDevelop understanding of best practices and ethical AITransform data into actionable insights using data visualization tools that aids effective decision makingBuild working relationships with team members and subject matter expertsLead small projects and initiativesUtilize effective written and verbal communication to document and present findings of analyses to a diverse audience of stakeholdersQualifications3-5 years of experience in exploratory data analysisUnderstanding of account acquisition, portfolio management, underwriting strategy, credit line strategy, pricing strategy, collection strategyBasic understanding of business and operating environmentStatisticsProgramming, data modeling, simulation, and advanced mathematicsSQL, R, Python, Hadoop, SAS, SPSS, Scala, AWSModel lifecycle executionTechnical writingData storytelling and technical presentation skillsResearch SkillsInterpersonal SkillsWorking knowledge of procedures, instructions, and validation techniquesModel DevelopmentCommunicationCritical ThinkingCollaborate and Build RelationshipsInitiative with sound judgementTechnical (Big Data Analysis, Coding, Project Management, Technical Writing, etc.)Sound JudgmentProblem Solving (Responds as problems and issues are identified)Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fieldsDesired Qualification(s)Master's/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or EngineeringHours: Monday - Friday, 8:00AM - 4:30PMLocation: 820 Follin Lane, Vienna, VA 22180About UsNavy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.Our approach to careers is simple yet powerful: Make our mission your passion.• Best Companies for Latinos to Work for 2024• Computerworld® Best Places to Work in IT• Forbes® 2025 America's Best Large Employers• Forbes® 2024 America's Best Employers for New Grads• Forbes® 2024 America's Best Employers for Tech Workers• Fortune Best Workplaces for Millennialsâ„¢ 2024• Fortune Best Workplaces for Women â„¢ 2024• Fortune 100 Best Companies to Work For® 2025• Military Times 2024 Best for Vets Employers• Newsweek Most Loved Workplaces• 2024 PEOPLE® Companies That Care• Ripplematch Recruiting Choice Award• Yello and WayUp Top 100 Internship ProgramsFrom Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected Veteran.Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team's discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market positionBank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Created: 2025-08-01