The Principal Associate, Data Scientist role within the Cash Flow Underwriting Team requires a highly analytical individual to develop advanced machine learning models that predict customer behavior and creditworthiness from complex banking data. This senior-level position involves identifying key predictive signals in cash flow and transaction records to enhance risk assessment and usage forecasting. Day-to-day responsibilities include transforming raw data into actionable insights, applying sophisticated statistical methods, and collaborating with cross-functional teams to improve financial products. Ideal candidates should have expertise in machine learning, strong programming skills in Python or R, and experience with big data technologies such as Hadoop or Spark. The role demands a deep understanding of financial data analysis and the ability to work on large-scale datasets to solve intricate business challenges in the banking sector.
Skills
Python
R
SQL
Machine Learning
Data Analysis
Feature Engineering
Predictive Modeling
Credit Risk Assessment
Customer Behavior Forecasting
Big Data Processing
Cloud Computing
CI/CD
What you'll do
Develop and implement advanced machine learning models to predict customer behavior.
Analyze large datasets of cash flow and transaction data to identify predictive signals.
Engineer high-value features from raw banking data to enhance risk and usage models.
Apply statistical methods to forecast creditworthiness accurately.
Continuously refine and optimize existing predictive models for better accuracy.
Collaborate with cross-functional teams to integrate machine learning solutions.
What we're looking for
Strong background in machine learning and data analysis.
Experience with transforming raw banking data into predictive features.
Ability to uncover non-obvious patterns in cash flow and transaction data.
Expertise in statistical methods and big data handling.
Solid understanding of risk and usage models in financial contexts.
Proven track record in creditworthiness forecasting and customer behavior analysis.
Market check
Salary context
This
$147,100–$167,900
range sits above
30%
of similar postings on FindRole.
Peer median band
$130,850–$220,000
Median floor and ceiling across peers.
Typical midpoint (25–75%)
$145,537–$203,625
Middle half of comparable postings.
Based on 240 comparable postings.*
* 240 is the maximum number of comparable postings sampled.
Employer
About Capital One Financial
Capital One Financial is a bank holding company specializing in credit cards, auto loans, banking, and savings products, known for its data-driven approach to consumer and commercial finance. Industry: Financial Services & Banking
Capital One Financial currently has
489 open roles
on FindRole.
Listed pay typically runs
$197,300–$225,100
across 483 roles with salary data.