Demo

Principal Associate, Data Science

Capital One
Mc Lean, VA Full Time
POSTED ON 12/16/2025
AVAILABLE BEFORE 1/21/2026
Principal Associate, Data Scientist - [Retail Bank]

Data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making.

As a Data Scientist at Capital One, you’ll be part of a team that’s leading the next wave of disruption at a whole new scale, using the latest in computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives.

Team Description

The Retail Bank Operations team is at the forefront of leveraging cutting-edge technology to empower our operations teams to better serve our customers. We utilize machine learning and AI to streamline processes in fraud detection, claims processing, and quality control. You will be the driving force to lead research, innovate, and develop new applications with emerging AI/ML technologies. Our areas of focus include multi-agentic workflows, sequence modeling, and LLM model tuning.

Role Description

In this role, you will:

  • Partner with a cross-functional team of data scientists, software engineers, and product managers to deliver AI powered solutions to increase operational efficiency.
  • Leverage a broad stack of technologies — Python, AWS, Spark, Kubernetes and more — to reveal the insights hidden within huge volumes of numeric and textual data using deep learning techniques such as transformers, LSTMs, and embeddings
  • Fine-tune advanced Large Language Models (LLMs) for domain-specific conversational applications and multi-agentic workflows.
  • Be the expert in Natural Language Processing (NLP) to harness the power of Large Language Models (LLMs), adapt and finetune them for business specific applications and features.

The Ideal Candidate is:

  • Innovative. You are deeply engaged in AI/ML research and stay ahead of the curve on emerging GenAI advancements. You seek out opportunities to apply state-of-the-art methods to real-world problems.
  • Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You’re not afraid to share a new idea.
  • A leader. You challenge conventional thinking and work with stakeholders to identify and improve the status quo. You're passionate about talent development for your own team and beyond.
  • Technical. You have hands-on experience in AI/ML development, working with open-source tools and cloud computing platforms. You are proficient in NLP and LLM tuning.

Basic Qualifications:

  • Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:
    • A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 5 years of experience performing data analytics
    • A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 3 years of experience performing data analytics
    • A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field)
Preferred Qualifications:

  • Master’s Degree in “STEM” field (Science, Technology, Engineering, or Mathematics) plus 3 years of experience in data analytics, or PhD in “STEM” field (Science, Technology, Engineering, or Mathematics)
  • At least 1 year of experience working with AWS
  • At least 1 year of experience in GenAI application development.
  • At least 1 year of experience with multi-agentic workflows.
  • At least 3 years’ experience in Python, Scala, or R
  • At least 3 years’ experience with SQL
  • At least 3 years’ experience with Machine Learning

Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

McLean, VA: $158,600 - $181,000 for Princ Associate, Data Science

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.

No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Salary : $158,600 - $181,000

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