Data Scientist; Credit Risk & Decision Science

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As a Data Scientist, you will deliver analytical insights by applying machine learning, programming, data modeling, and advanced mathematics to uncover complex patterns and drive meaningful impact across the organization. You will work with member, financial, and operational data to support the development of business‑critical models and to identify opportunities for new products, services, and process optimization.

Over time, you will deepen your understanding of business needs and objectives and take on projects of increasing complexity, scope, and strategic influence.

• Design, develop, and evaluate predictive models and algorithms, with a strong focus on credit scoring.
• Identify meaningful insights from large datasets and metadata sources.
• Test hypotheses, analyze results, and interpret model performance.
• Develop and code basic programs, algorithms, and automated analytics pipelines.
• Participate in presenting analytical findings, model results, and recommendations to senior management and internal stakeholders.
• Exercise sound judgment and discretion within established procedures and best practices.
• Increase awareness of regulatory requirements—including Compliance and Fair Lending—and participate with relevant teams to validate models prior to implementation.
• Create high‑quality written and verbal documentation, including model development, performance, and governance materials.
• Build strong working relationships with team members and subject matter experts.

• 3+ years of experience in exploratory data analysis, including building tree‑based models.
• Strong programming and analytical skills, including experience with SQL, R, Python, SAS, and AWS.
• Basic understanding of financial services or banking concepts.
• Strong technical writing abilities, especially for model documentation.
• Strong data storytelling and technical presentation skills.
• Strong research, analytical thinking, and problem‑solving abilities.
• Ability to critically evaluate your own work, and handle complex problems.
• Strong communication and interpersonal skills.
• High initiative, sound judgment, and attention to detail.
• Technical proficiency in big data analytics, coding, project management, and technical writing.
• Bachelor’s degree in Data Science, Statistics, Mathematics, Computer Science, Engineering, or a related quantitative field.

Desired Qualifications

• 3+ years of experience in financial services, particularly in acquisition model development, credit policy, or risk management.
• Experience validating models and partnering with internal or external auditors.
• Master’s in Data Science, Statistics, Mathematics, Computer Science, Engineering, or a related field.

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

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.

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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.

Accommodations:If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at medical accommodations or by calling  This team…