Principal Data Scientist (Credit Risk Insights & Analysis)

Principal Data Scientist (Credit Risk Insights & Analysis) Vienna, VA, United States and 1 more (Hybrid) Job Description Navy Federal Credit Union currently does not provide sponsorship for this role. Applicants must be authorized to work in the United States without the need for current or future sponsorship. Provide independent data science, machine learning, and analytical insights using member, financial, and organizational data to support credit risk decision-making. Understand business needs and identify opportunities for process optimization to meet business objectives using cutting-edge data science. Regarded as an advanced professional in the data science field who can conduct complex work under minimal supervision and with wide latitude for independent judgment. The role requires strong analytical skills, proficiency in data visualization tools, and the ability to communicate complex insights effectively. Responsibilities Develop, maintain, and manage advanced reporting, dashboards, data models and analytical results Retrieve, analyze and validate data and interpret results Lead projects to understand requirements and propose key analytical solutions to drive effective decision-making and influence business objectives Develop and code complex software programs, algorithms, and automated processes Use evaluation, judgment, and interpretation to select right course of action Work on problems of diverse scope where analysis of information requires evaluation of identifiable factors Produce innovative solutions driven by exploratory data analysis from complex and high-dimensional datasets Transform data into charts, tables, or format that aids effective decision making Utilize effective written and verbal communication to document analyses and present findings analyses to a diverse audience of stakeholders Develop and maintain strong working relationships with team members, subject matter experts, and leaders Lead moderate to large projects and initiatives Model best practices and ethical AI Works with senior management on complex issues Assist with the development and enhancement practices, procedures, and instructions Serve as technical resource for other team members Mentor lower levels Qualifications 6+ years of working experience with requisite competencies Complete knowledge and full understanding of specialization Statistics, machine learning , data mining, data auditing, aggregation, reconciliation, and visualization Programming, data modeling, simulation, and advanced mathematics SQL, R, Python, Hadoop, SAS, SPSS, Databricks, Scala, AWS Tableau, Power BI, or related data visualization tools Model lifecycle execution Technical writing Data storytelling and technical presentation skills Research Skills Interpersonal Skills Advanced knowledge of procedures, instructions and validation techniques Model Development Communication Critical Thinking Collaborate and Build Relationships Initiative with sound judgement Technical (Big Data Analysis, Coding, Project Management, Technical Writing, etc.) Independent Judgment Problem Solving (Identifies the constraints and risks) Bachelor's Degree in Data Science, Statistics, Mathematics, Economics, Computers Science, Engineering, or degrees in similar quantitative fields Desired Qualification(s) Master's/PhD Degree in Data Science, Statistics, Mathematics, Economics, Computers Science, or Engineering Hours: Monday - Friday, 8:00AM - 4:30PM Locations: 820 Follin Lane, Vienna, VA 22180 | 5510 Heritage Oaks Drive, Pensacola, FL 32526 Required Skills Azure Databricks Big Data Communication Skills Creative Thinking Credit Bureau Data Cross-Functional Collaboration Data Storytelling Databricks Peer Collaboration Power Bi Project Management Python R Studio SAS Programming SQL Structured Datasets Tableau Team Collaboration Technical Writing About Us Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks. Our approach to careers is simple yet powerful: Make our mission your passion. FORTUNE 100 Best Companies to Work For® 2025 Yello and WayUp Top 100 Internship Programs Computerworld® Best Places to Work in IT Newsweek Most Loved Workplaces 2025 PEOPLE® Companies That Care Newsweek Most Trustworthy Companies in America Military Times 2025 Best for Vets Employers Best Companies for Latinos to Work for 2025 Forbes® 2025 America’s Best Large Employers Forbes® 2025 America's Best Employers for New Grads Forbes® 2025 America's Best Employers for Tech Workers 2025 RippleMatch Campus Forward Award Winner for Overall Excellence Military.com Top Military Spouse Employers 2025 2025 Handshake Early Talent Award From Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union. Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law. Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at medicalaccommodations@navyfederal.org or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status. Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site. Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process. Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act. Job Info Job Identification 28062 Job Category Data Scientist Posting Date 03/04/2026, 09:30 PM Apply Before 03/18/2026, 12:00 PM Degree Level Bachelor's Degree Job Schedule Full time Job Shift Regular Hours Targeted Salary Range $114,500 - $179,500 annually

Salary : $114,500 - $179,500