Principal Associate, Data Scientist - Cash Flow Underwriting

Capital One Financial

Quick summary

Work type: On-site
Location: McLean, VANew York, NYChicago, IL
Salary: $147,100–$167,900 / yr
Posted: 6 days ago
Nearby: 99+ roles within 25 mi

Market check

Salary context

Below market

How this pay compares to similar roles

Similar $183k

This role $158k

$134k most similar roles pay here $229k

This role pays less than 71% of similar roles. Most pay $153,687–$211,702 — the shaded band above. At the midpoint, this role pays about $158k versus about $183k for comparable roles.

Based on 240 similar postings.

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 814 open roles on FindRole.

Listed pay typically runs $197,300–$225,100 across 809 roles with salary data.

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View all roles at Capital One Financial

At a glance

TL;DR · Principal Associate, Data Scientist - Cash Flow Underwriting

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The Principal Associate, Data Scientist role within the Cash Flow Underwriting Team focuses on applying advanced machine learning techniques to analyze complex banking data and develop predictive models that assess credit risk and customer behavior. This senior-level position requires a deep understanding of statistical methods and big data analytics to extract meaningful insights from transactional information. Day-to-day responsibilities include designing sophisticated algorithms, creating high-value features from raw data, and collaborating with cross-functional teams to enhance risk assessment tools. Ideal candidates should have expertise in Python or R for data manipulation and modeling, proficiency in SQL for database querying, and experience with machine learning frameworks such as TensorFlow or PyTorch. The role demands a strong background in finance and banking analytics, particularly in handling large datasets and solving intricate business challenges related to cash flow management and underwriting processes.

Skills

Python R SQL Machine Learning Data Engineering Feature Engineering Predictive Modeling Credit Risk Analysis Customer Behavior Prediction 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 improve risk assessment accuracy.
Collaborate with cross-functional teams to integrate new models into existing systems.
Continuously refine and optimize predictive algorithms for better forecasting performance.

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 prediction.

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