130 5th Ave (22130), United States of America, New York, New York

Senior Data Scientist, Commercial Banking Data Science

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

Capital One’s Commercial Data Science team works to improve the way commercial banking is done through the use of innovative data and model-driven solutions. The lines of business we support include commercial real estate, middle market banking, credit lending, treasury management, and commercial tools and platforms within the corporate and commercial real estate sectors. 

Greenfield data science projects abound within Commercial Banking. Typical use cases that the team executes on include real-time credit assessment of corporate and CRE through internal and third-party datasets, localized health of geographies for credit lending, macroeconomic predictions and insight generation, deposit balance and attrition forecasting, optimal pricing strategies, and portfolio credit risk assessment.

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, AWS, Spark, and more — to reveal the insights hidden within huge volumes of numeric and textual data

• Build machine learning models through all phases of development, from design through training, evaluation, validation, and implementation

• Mine for real time insights hidden in large internal and external datasets that have time and geospatial components to help Capital One and our customers make crucial business decisions.

• Flex your interpersonal skills to translate the complexity of your work into tangible business goals

The Ideal Candidate is:

• Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You’re not afraid to share a new idea.

• A leader. You challenge conventional thinking and work with stakeholders to identify and improve the status quo. You’re passionate about talent development for your own team and beyond.

• Statistically-minded. You’ve built models, validated them, and backtested 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.

• 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.

Basic Qualifications:

• Currently has, or is in the process of obtaining a Bachelor’s Degree plus 3 years of experience in data analytics, or currently has, or is in the process of obtaining Master’s Degree plus 1 year of experience in data analytics with an expectation that required degree will be obtained on or before the scheduled start date

• At least 1 year of experience in open source programming languages for large scale data analysis

• At least 1 year of experience with machine learning

• At least 1 year of experience with relational databases

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

• At least 2 years’ experience working with natural language processing

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.

New York City (Hybrid On-site): $138,500 - $158,100 for DS Masters

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 theCapital 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 committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. 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 [email protected]. 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 [email protected]

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).