Senior Data Scientist (Lending Analytics)
OverviewProvide 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.ResponsibilitiesDesign, develop, and evaluate moderately complex predictive models and advanced algorithmsPartner within the organization and across the enterprise in support of completion of model development and annual financial planning activitiesDevelop, maintain, and manage reporting, dashboards, data models and analytical results Identifies meaningful insights from large data and metadata sourcesExperience with Linear Regression and/or Time Series modeling including originations or losses for heavily regulated processes desired Retrieve, analyze and validate data and interpret results; Test hypotheses/models, analyze, and interpret resultsExercise sound judgment and discretion within defined procedures and practicesDevelop and code moderately complex software programs, algorithms, and automated processesUse modeling and trend analysis to analyze data and provide insightsDevelop understanding of best practices and ethical AITransform data into charts, tables, or format that aids effective decision makingBuild working relationships with team members and subject matter expertsLead small projects and initiativesUtilize effective written and verbal communication to document and present findings of analyses to a diverse audience of stakeholdersQualifications3-5 years of experience in exploratory data analysisStrong understanding of business and operating environmentStatistics, data mining, aggregation, reconciliation and visualizationProgramming, data modeling, simulation, and advanced mathematics SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWSTableau, Power BI or related data visualization toolsModel lifecycle executionTechnical writingData storytelling and technical presentation skillsResearch SkillsInterpersonal SkillsWorking knowledge of procedures, instructions, and validation techniquesModel DevelopmentCommunicationCritical ThinkingCollaborate and Build RelationshipsInitiative with sound judgementTechnical (Big Data Analysis, Coding, Project Management, Technical Writing, etc.)Sound JudgmentProblem Solving (Responds as problems and issues are identified)Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fieldsDesired QualificationsMaster's/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or EngineeringAdditional InformationHours: Monday - Friday, 8:00AM - 4:30PMLocation: 820 Follin Lane, Vienna, VA 22180 5510 Heritage Oaks Drive, Pensacola, FL 32526About UsNavy 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® 2026 Yello and WayUp Top 100 Internship Programs 2025 Computerworld® Best Places to Work in IT 2026 Most Loved Workplace – America’s Top Most Loved Workplaces® 2025 2025 PEOPLE® Companies That Care Newsweek Most Trustworthy Companies in America 2026 Military Times 2025 Best for Vets Employers Forbes® 2026 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 2026 Handshake Early Talent Award Newsweek America’s Greatest Workplaces for Culture, Belonging and Community 2026From Fortune Magazine. © 2026 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune 100 Best Companies to Work For are registered trademarks of Fortune Media IP Limited and are used under license. Fortune Magazine, Fortune Media (USA) Corporation, and its affiliates 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.