Capital One
Principal Associate, Data Scientist - Capital One Personal Loan
$147K–$201K
McLean, VA +3 · Principal · Full-time · Posted Oct 6, 2026
- Location
- McLean, VA
Richmond, VA
Chicago, IL
New York, NY - Experience
- Bachelor's degree: 5 years performing data analytics; master's degree or quantitatively concentrated MBA: 3 years performing data analytics; PhD: no years specified.
- Education
- Bachelor's, master's, or PhD in a quantitative field; alternatively, an MBA with a quantitative concentration at the master's-level experience path.
- Visa sponsorship
- Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
About the job
Build and implement machine-learning models for personal-loan acquisition, including customer selection, campaign optimization, underwriting, pricing, and verification.
What you'll do
- Collaborate with data scientists, software engineers, and product managers to deliver customer-focused products.
- Develop models through design, training, evaluation, validation, and implementation using large numeric and textual datasets.
- Translate analytical work into tangible business goals.
What they ask for
- Currently hold or be obtaining a quantitative-field degree: bachelor's plus 5 years of data analytics experience; master's or quantitatively concentrated MBA plus 3 years; or a PhD.
- Experience with model building, validation, and backtesting, including statistical methods such as classification, clustering, sentiment analysis, time series, or deep learning.
Nice to have
- At least 1 year working with AWS.
- At least 3 years of experience in Python, Scala, or R; machine-learning marketing or risk modeling; or SQL.
Pay
$147,100 - $167,900 USD base salary (Chicago, IL); $161,800 - $184,600 USD base salary (McLean, VA); $176,500 - $201,400 USD base salary (New York, NY); $147,100 - $167,900 USD base salary (Richmond, VA)
Tools
Python, Conda, AWS, H2O, Spark, Scala, R, SQL
AI focus
Develop machine-learning models for personal-loan acquisition, including predictive TDR and non-TDR modeling.
Model-written summary · the original posting is authoritative