Position Details

Salary $147K – $167K USD / year

Type Full-Time

Experience senior

Exp. Years 3+ years

Education Bachelor's Degree; Master's Degree or PhD preferred

Category AI & Machine Learning

About this role

Principal Data Scientist role focused on AI in Credit, building models to forecast credit outcomes and applying explainability techniques in a regulated environment.

Key Responsibilities

Develop modeling approaches to forecast credit outcomes in changing economy
Apply explainability techniques to identify insights
Develop AI-model-based decisioning frameworks
Collaborate on cross-functional teams with ML engineers, product managers, and credit analysts

Technical Overview

Technical scope includes Python/Scala/R, ML algorithms, distributed computing (Hadoop/Spark), ML frameworks (TensorFlow, PyTorch), explainability techniques, and credit underwriting domain knowledge.

Ideal Candidate

The ideal candidate is a senior data scientist with strong Python/Scala/R expertise, 3+ years of ML and explainability experience, and a track record applying ML to credit underwriting in regulated environments.

Must-Have Skills

Bachelor's Degree in quantitative field + 5 years of analyticsMaster's Degree in quantitative field or MBA with quantitative concentration + 3 years of analyticsPhD in a quantitative field3+ years Python/Scala/R3+ years machine learningExplainability experienceDistributed computing experience3+ years Python/Scala/R3+ years ML

Nice-to-Have Skills

Experience with explainability in MLExperience with distributed computing3+ years experience in PythonScalaor RExperience with ML frameworks such as TensorFlow or PyTorch

Tools & Platforms

PythonRScalaTensorFlowPyTorchScikit-learnApache SparkHadoopHDFSSpark MLlib

Required Skills

PythonScalaRMachine LearningExplainabilityDistributed computingHadoopSparkTensorFlowPyTorchScikit-learnTime seriesDeep LearningUnderwritingCapital OneBig dataData analysisRegulatory

Hard Skills

PythonScalaRMachine LearningExplainability techniquesDistributed computingHadoopSparkTensorFlowPyTorchScikit-learnTime seriesClusteringClassificationDeep LearningUnderwritingCapital OneBig dataData analysisRegulated industry

Soft Skills

CreativeCommunicationCollaborationQuestioningProactiveTeam orientation

Industry & Role

Industry Fintech

Job Function Develop and deploy AI-driven credit models in a regulated financial setting

Role Subtype Principal Data Scientist

Tech Domains Python, R, Scala, Apache Spark, Hadoop, TensorFlow, PyTorch, Scikit-learn, Time Series, Machine Learning

Clearance & Visa

Visa Sponsorship Yes

Keywords for Your Resume

principal associatedata scientistai in creditcapital onepythonscalarmachine learningexplainabilitydistributed computinghadoopsparktensorflowpytorchscikit-learntime seriesdeep learningunderwritingbig datadata analysisregulatoryData scientistPythonScalaRMachine LearningExplainabilityDistributed computingHadoopSparkCapital One

Deal Breakers

Less than 3 years experience in Python/Scala/R, Less than 3 years experience in machine learning, Inability to work in the US without sponsorship

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