✦ Luna Orbit — AI & Machine Learning

Principal Associate, Data Scientist - Mainstreet Acquisitions

at Capital One Financial

📍 3 Locations Onsite 💰 $161K – $184K USD / year Posted April 05, 2026
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Position Details

Salary $161K – $184K USD / year
Type Full-Time
Experience lead
Exp. Years 3+ years (typical), 0 years possible with PhD
Education Bachelor's degree in a quantitative field; or Master's/ MBA with quantitative concentration; or PhD
Category AI & Machine Learning

About this role

Principal Associate Data Scientist for US Card focuses on building ML-driven credit decisioning models, collaborating with cross-functional teams and leveraging a modern data stack (Python, AWS, H2O, Spark) on large-scale datasets.

Key Responsibilities

  • Partner with cross-functional teams to deliver ML models
  • Leverage Python, Conda, AWS, H2O, Spark
  • Build ML models through all development phases
  • Translate technical work into business goals
  • Communicate complex results effectively

Technical Overview

Strong ML background with Python/SQL, cloud (AWS), H2O and Spark knowledge; experience with credit risk in financial services is highly valued.

Ideal Candidate

The ideal candidate is a principal associate data scientist with deep ML experience in credit risk and US card products, comfortable leading a data science effort across multiple locations and collaborating with engineers and product managers.

Must-Have Skills

Bachelor’s or higher in a quantitative field; or Master’s/ MBA with quantitative concentration; or PhDAt least 3 years of Python experienceAt least 3 years of SQL experienceAt least 3 years of machine learning experienceAt least 3 years of experience in credit riskAt least 3 years of experience in financial services

Nice-to-Have Skills

Master’s Degree in STEMPhD in STEMExperience with time seriesclusteringand deep learning

Tools & Platforms

PythonCondaAWSAmazon Web ServicesH2OSpark

Required Skills

PythonCondaAWSAmazon Web ServicesH2OSparkMachine LearningRelational DatabasesSQL

Hard Skills

PythonCondaAWSAmazon Web ServicesH2OSparkMachine LearningRelational DatabasesSQLTime seriesClusteringClassificationSentiment analysisDeep learning

Soft Skills

Interpersonal skillsCommunicationTeam collaborationProblem solving

Industry & Role

Industry Banking
Job Function Lead data science initiatives for US Card, delivering scalable ML solutions for credit decisioning.
Role Subtype Principal Associate
Tech Domains Python, Scala, R, Amazon Web Services, AWS, H2O, Spark, Relational Databases, SQL

Clearance & Visa

Visa Sponsorship Yes

Keywords for Your Resume

principal associate data scientist - mainstreet acquisitionsdata scientistpythoncondaawsamazon web servicesh2osparkmachine learningcredit riskdata scienceus cardcapital onemainstreet acquisitionstime seriesclusteringclassificationsentiment analysisdeep learningprincipal associate data scientistsql

Deal Breakers

Lack of required ML, SQL, and Python experience, Inability to work across multiple locations/on-site

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