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Principal Data Scientist

Capital One

Software and Technology Jobs

Principal Data Scientist

full-timePosted: Jan 14, 2026

Job Description

Overview

Principal Associate, Data Scientist - Business Card and PaymentsData 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 DescriptionThe Business Card & Payments Data Science team builds industry leading machine learning models to power real-time credit underwriting decisions. This gives us the opportunity to make an impact on every Capital One business applicant by granting the right access to credit to grow their business. Our team builds full-spectrum credit models to support new and existing credit products and marketing strategies. We use new modeling techniques, develop new data sources, and engage in strong collaboration across multiple areas of our business to problem solve and develop innovative approaches that define our long term modeling and data strategy.Role DescriptionIn this role, you will:
  • 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

  • Flex your interpersonal skills to translate the complexity of your work into tangible business goals

  • The Ideal Candidate is:
  • 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.

  • Statistically-minded. You’ve built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning.

  • A data guru. “Big data” doesn’t faze you. You have the skills to retrieve, combine, and analyze data from a variety of sources and structures. You know understanding the data is often the key to great data science.

  • 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 3 years’ experience in Python

  • At least 3 years’ experience with machine learning- end-to-end development through deployment experience is a plus.

  • At least 3 years’ experience with SQL

  • 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.









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

    Locations

    • McLean, Virginia, United States
    • Richmond, Virginia McLean, VirginiaMcLean

    Salary

    Estimated Salary Rangemedium confidence

    45,000 - 80,000 USD / yearly

    * This is an estimated range based on market data and may vary based on experience and qualifications.

    Skills Required

    • Pythonintermediate
    • SQLintermediate
    • Machine Learningintermediate
    • Sparkintermediate
    • AWSintermediate
    • H2Ointermediate
    • Condaintermediate
    • Statistical Modelingintermediate
    • Clusteringintermediate
    • Classificationintermediate
    • Sentiment Analysisintermediate
    • Time Seriesintermediate
    • Deep Learningintermediate

    Required Qualifications

    • Bachelor's Degree in quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or related) plus 5 years data analytics experience (experience)
    • Master's Degree in quantitative field or MBA with quantitative concentration plus 3 years data analytics experience (experience)
    • PhD in quantitative field (experience)
    • Preferred: Master's or PhD in STEM field (experience)
    • Preferred: At least 3 years Python experience (experience)
    • Preferred: At least 3 years machine learning experience (experience)
    • Preferred: At least 3 years SQL experience (experience)

    Responsibilities

    • Partner with cross-functional team of data scientists, software engineers, and product managers to deliver products
    • Leverage technologies like Python, Conda, AWS, H2O, Spark to analyze numeric and textual data
    • Build machine learning models through design, training, evaluation, validation, and implementation
    • Translate complex work into tangible business goals using interpersonal skills
    • Build industry-leading machine learning models for real-time credit underwriting decisions
    • Develop full-spectrum credit models for new and existing credit products and marketing strategies

    Benefits

    • general: Comprehensive, competitive, and inclusive set of health, financial and other benefits

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    Capital One logo

    Principal Data Scientist

    Capital One

    Software and Technology Jobs

    Principal Data Scientist

    full-timePosted: Jan 14, 2026

    Job Description

    Overview

    Principal Associate, Data Scientist - Business Card and PaymentsData 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 DescriptionThe Business Card & Payments Data Science team builds industry leading machine learning models to power real-time credit underwriting decisions. This gives us the opportunity to make an impact on every Capital One business applicant by granting the right access to credit to grow their business. Our team builds full-spectrum credit models to support new and existing credit products and marketing strategies. We use new modeling techniques, develop new data sources, and engage in strong collaboration across multiple areas of our business to problem solve and develop innovative approaches that define our long term modeling and data strategy.Role DescriptionIn this role, you will:
  • 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

  • Flex your interpersonal skills to translate the complexity of your work into tangible business goals

  • The Ideal Candidate is:
  • 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.

  • Statistically-minded. You’ve built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning.

  • A data guru. “Big data” doesn’t faze you. You have the skills to retrieve, combine, and analyze data from a variety of sources and structures. You know understanding the data is often the key to great data science.

  • 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 3 years’ experience in Python

  • At least 3 years’ experience with machine learning- end-to-end development through deployment experience is a plus.

  • At least 3 years’ experience with SQL

  • 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.









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

    Locations

    • McLean, Virginia, United States
    • Richmond, Virginia McLean, VirginiaMcLean

    Salary

    Estimated Salary Rangemedium confidence

    45,000 - 80,000 USD / yearly

    * This is an estimated range based on market data and may vary based on experience and qualifications.

    Skills Required

    • Pythonintermediate
    • SQLintermediate
    • Machine Learningintermediate
    • Sparkintermediate
    • AWSintermediate
    • H2Ointermediate
    • Condaintermediate
    • Statistical Modelingintermediate
    • Clusteringintermediate
    • Classificationintermediate
    • Sentiment Analysisintermediate
    • Time Seriesintermediate
    • Deep Learningintermediate

    Required Qualifications

    • Bachelor's Degree in quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or related) plus 5 years data analytics experience (experience)
    • Master's Degree in quantitative field or MBA with quantitative concentration plus 3 years data analytics experience (experience)
    • PhD in quantitative field (experience)
    • Preferred: Master's or PhD in STEM field (experience)
    • Preferred: At least 3 years Python experience (experience)
    • Preferred: At least 3 years machine learning experience (experience)
    • Preferred: At least 3 years SQL experience (experience)

    Responsibilities

    • Partner with cross-functional team of data scientists, software engineers, and product managers to deliver products
    • Leverage technologies like Python, Conda, AWS, H2O, Spark to analyze numeric and textual data
    • Build machine learning models through design, training, evaluation, validation, and implementation
    • Translate complex work into tangible business goals using interpersonal skills
    • Build industry-leading machine learning models for real-time credit underwriting decisions
    • Develop full-spectrum credit models for new and existing credit products and marketing strategies

    Benefits

    • general: Comprehensive, competitive, and inclusive set of health, financial and other benefits

    Target Your Resume for "Principal Data Scientist" , Capital One

    Get personalized recommendations to optimize your resume specifically for Principal Data Scientist. Takes only 15 seconds!

    AI-powered keyword optimization
    Skills matching & gap analysis
    Experience alignment suggestions

    Check Your ATS Score for "Principal Data Scientist" , Capital One

    Find out how well your resume matches this job's requirements. Get comprehensive analysis including ATS compatibility, keyword matching, skill gaps, and personalized recommendations.

    ATS compatibility check
    Keyword optimization analysis
    Skill matching & gap identification
    Format & readability score

    Answer 10 quick questions to check your fit for Principal Data Scientist @ Capital One.

    Quiz Challenge
    10 Questions
    ~2 Minutes
    Instant Score

    Related Books and Jobs

    No related jobs found at the moment.