77 West Wacker Dr (35012), United States of America, Chicago, Illinois Principal Associate, Data Scientist - US Card 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 US Card Data Science team builds industry leading machine learning models to empower core underwriting decisions in the acquisitions and management of new and existing credit card customers. We collaborate closely with a wide range of cross functional partner teams - data engineers, platforms engineers, product managers, credit and business analysts, to deliver the solutions from ideation to implementation. We are a team of creative problem solvers, who challenge the status quo on a continuous basis and are devoted to innovation to keep making our models more dynamic, adaptive, robust, and ultimately, smarter. **Role Description** **In this role, you will:** + Operate at the cutting edge of machine learning in Capital One's US Card business, designing the tools and processes that enable rapid delivery of robust statistical models. + Partner with a cross-functional team of data scientists, software engineers, and product managers to deliver a product customers love + Leverage a broad stack of technologies — Python, Conda, AWS, H2O, Spark, and more — to reveal the insights hidden within huge volumes of numeric and textual data + Build machine learning models through all phases of development, from design through training, evaluation, validation, and implementation **The Ideal Candidate is:** + Innovative. You continually research and evaluate emerging technologies. You stay current on published state-of-the-art methods, technologies, and applications and seek out opportunities to apply them. + 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. + Technical. You’re comfortable with open-source languages and are passionate about developing further. You have hands-on experience developing data science solutions using open-source tools and cloud computing platforms. **Basic Qualifications:** + Currently has, or is in the process of obtaining a Bachelor’s Degree plus 5 years of experience in data analytics, or currently has, or is in the process of obtaining a Master’s Degree plus 3 years in data analytics, or currently has, or is in the process of obtaining PhD, with an expectation that required degree will be obtained on or before the scheduled start date + At least 1 year of experience in open source programming languages for large scale data analysis + At least 1 year of experience with machine learning + At least 1 year of experience with relational databases **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) + Experience with open source data and machine learning packages such as pandas, polars, dask, SQLAlchemy, xgboost, Optuna, DuckDB, PyArrow + Experience with tools and platforms for building quality python code such as CICD, black/ruff, mypy, pydantic, conda, uv, poetry, cookiecutter + Experience with modern data platforms such as Snowflake or Delta Lake 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. Illinois (Hybrid On-site): $153,900 - $175,700 for Princ Associate, Data Science New York City (Hybrid On-site): $165,100 - $188,500 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 will consider sponsoring a new qualified applicant for employment authorization for this position. 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 (https://www.capitalonecareers.com/benefits) . 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 committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. 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).