Senior Data Scientist (Auto Loan Pricing)

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 mission critical decision making for various areas of the organization. Understand business needs and identify opportunities for new products, services, and process optimization to meet business objectives through the use of cutting-edge data science. Create descriptive, predictive, and prescriptive models and insights to drive impact across the organization. Conduct work assignments of increasing complexity, under moderate supervision with some latitude for independent judgment. Intermediate professional within field; requires moderate skill set and proficiency in discipline This position is eligible for the TalentQuest employee referral program. If an employee referred you for this job, please apply using the system-generated link that was sent to you. Design, develop, and evaluate moderately complex predictive models and advanced algorithms Identifies meaningful insights from large data and metadata sources by selecting and applying the most effective analytical tools, methodologies, and technologies Test hypotheses/models, analyze, and interpret results Exercise sound judgment and discretion within defined procedures and practices Develop and code moderately complex software programs, algorithms, and automated processes Use modeling and trend analysis to analyze data and provide insights Develop understanding of best practices and ethical AI Transform data into charts, tables, or format that aids effective decision making Build working relationships with team members and subject matter experts Lead small projects and initiatives Partners with key stakeholders to communicate pricing strategies and analytical approaches, translating technical findings into business-relevant insights that drive alignment, decision-making, and executive approval Lead the review and governance of pricing policies and portfolio performance, executing recurring pricing analyses, monitoring activities, and optimization initiatives to support strategic pricing decisions and governance committee discussions Design and enhance pricing frameworks for Auto Lending products, leveraging advanced analytics, predictive modeling, and optimization techniques to evaluate pricing alternatives and inform business strategy Lead and collaborate with cross-functional teams to design, implement, and assess pricing experiments and test-and-learn initiatives, generating insights into borrower behavior and pricing elasticity across various pricing scenarios. Develop and maintain deep industry expertise in the Direct and Indirect Auto Lending markets through competitive research, market intelligence, bureau data assessments, while supporting organizational knowledge-sharing and stakeholder education efforts 3-5 years of experience in exploratory data analysis Basic understanding of business and operating environment Statistics Programming, data modeling, simulation, and advanced mathematics SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWS, Databricks Model lifecycle execution Technical writing Data storytelling and technical presentation skills Research Skills Interpersonal Skills Working 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.) Sound Judgment Problem Solving (Responds as problems and issues are identified) Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fields Desired Qualifications Master's/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or Engineering Additional Information Hours: Monday - Friday, 8:00AM - 4:30PM Location: 820 Follin Lane, Vienna, VA 22180