Principal Data Scientist; Credit Risk Insights & Analysis

Overview

Provide independent data science, machine learning, and analytical insights using member, financial, and organizational data to support credit risk decision‑making. Understand business needs and identify opportunities for process optimization to meet business objectives using cutting‑edge data science. Regarded as an advanced professional in the data science field who can conduct complex work under minimal supervision and with wide latitude for independent judgment.

The role requires strong analytical skills, proficiency in data visualization tools, and the ability to communicate complex insights effectively.

• Develop, maintain, and manage advanced reporting, dashboards, data models and analytical results
• Retrieve, analyze and validate data and interpret results
• Lead projects to understand requirements and propose key analytical solutions to drive effective decision‑making and influence business objectives
• 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 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
• Work 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

• 6+ years of working 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
• SQL, R, Python, Hadoop, SAS, SPSS, Databricks, Scala, AWS
• Tableau, Power BI, or related data visualization tools
• 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)
• Bachelor's Degree in Data Science, Statistics, Mathematics, Computer Science, Engineering, or degrees in similar quantitative fields

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

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

820 Follin Lane, Vienna, VA 221 النفس) , 5510 Heritage Oaks Drive, Pensacola, FL 32526

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 & Way Up Top 100 Internship Programs, Computerworld Best Places to Work in IT, Newsweek Most Loved Workplaces 2025, PEOPLE Companies That Care, Newsweek Most Trustworthy Companies in America, Military Times 2025 Best for Vets Employers, Best Companies for Latinos to Work for 2024, 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 Ripple Match Campus Forward Award Winner for Overall Excellence,  Top Military Spouse Employers 2025, 2025 Handshake Early Talent Award.

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