Senior Data Scientist (Underwriting Credit Policy)

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.

• Design, develop, and evaluate moderately complex predictive models and advanced algorithms 
• Identify meaningful insights from large data and metadata sources
• Test hypotheses/models, analyze, and interpret results
• Create reporting and analytics functions to evaluate and mitigate credit risk within lending businesses. 
• Exercise sound judgment and discretion within defined procedures and practices
• Develop and code complex software programs, algorithms, and automated processes
• Use modeling and trend analysis to analyze data and provide insights
• Develop understanding of best practices and ethical AI
• Transform data into actionable insights using data visualization tools that aids effective decision making
• Build working relationships with team members and subject matter experts
• Lead small projects and initiatives
• Utilize effective written and verbal communication to document and present findings of analyses to a diverse audience of stakeholders
• 3-5 years of experience in exploratory data analysis
• Understanding of account acquisition, portfolio management, underwriting strategy, credit line strategy, pricing strategy, collection strategy
• Basic understanding of business and operating environment
• Statistics 
• 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
• Working 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.)
• Sound Judgment
• Problem Solving (Responds as problems and issues are identified)
• Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fields

Desired Qualification(S)

• Master's/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or Engineering

Hours: Monday - Friday, 8:00AM - 4:30PM

Location: 820 Follin Lane, Vienna, VA 22180

Navy 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.

• FORTUNE 100 Best Companies to Work For® 2025
• Yello and WayUp Top 100 Internship Programs
• Computerworld® Best Places to Work in IT
• Newsweek Most Loved Workplaces
• FORTUNE Best Workplaces for Women ™ 2024
• 2025 PEOPLE® Companies That Care
• Newsweek Most Trustworthy Companies in America
• Military Times 2024 Best for Vets Employers
• Best Companies for Latinos to Work for 2025
• Forbes® 2025 America’s Best Large Employers
• Forbes® 2025 America's Best Employers for New Grads
• Forbes® 2025 America's Best Employers for Tech Workers
• 2025 RippleMatch Campus Forward Award Winner for Overall Excellence 
• Military.com Top Military Spouse Employers 2025 
• 2025 Handshake Early Talent Award

From 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 age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

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 position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.

Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.