Overview
The Credit Risk & Decision Science team within the Lending Analytics department is responsible for developing and implementing analytical solutions that drive changes to underwriting policies across Navy Federal Credit Union’s various lending products. Data scientists within this team will focus on two areas. Firstly, they will leverage analytics to define and monitor credit card account management strategies such as proactive line increase and reactive line increase to name a few. This will include developing and recommending test and control strategies to better understand cardholder behavior. Secondly, data scientists will leverage the existing pricing framework to support rate changes across various lending portfolios. Successful candidates will exhibit effective communication and analytical skills as well as strong leadership qualities.
Responsibilities
- Design, develop, and evaluate large and complex predictive models and advanced algorithms
- Test hypotheses/models, analyze, and interpret results
- Develop actionable insights and recommendations
- 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 analyses 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
Qualifications
- 6+ years of 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, Scala, AWS
- 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
Desired Qualifications
- Familiar with analytical frameworks used to support the pricing of lending products
- Familiar with analytical models/analysis used to support credit card underwriting and account management underwriting policies
- Familiar using GitHub for documentation and code collaboration purposes
- Master's/PhD Degree in Data Science, Statistics, Mathematics, Computer Science, or Engineering
Hours: Monday - Friday, 8:00AM - 4:30PM
Location: 820 Follin Lane, Vienna, VA 22180
About Us
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.
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- Military Times 2023 Best for Vets Employers
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- Ripplematch Campus Forward Award - Excellence in Early Career Hiring
- Yello and WayUp Top 100 Internship Programs
Equal Employment Opportunity: Navy Federal values, celebrates, and enacts diversity in the workplace. Navy Federal takes affirmative action to employ and advance in employment qualified individuals with disabilities, disabled veterans, Armed Forces service medal veterans, recently separated veterans, and other protected veterans. EOE/AA/M/F/Veteran/Disability
Hybrid Workplace: Navy Federal Credit Union is a hybrid workplace, and details will be discussed during your interview process.
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.
Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.
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