Principal Data Analyst - Credit Risk and Innovation

Principal Data Analyst - Credit Risk and Innovation

At Capital One, data is at the center of everything we do. When we launched as a startup we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and relational databases in 1988. Fast‑forward a few years, our passion for data has grown us into a Fortune 200 company and a leader in data‑driven decision‑making.

As a Data Analyst at Capital One you will leverage analytic and technical skills to innovate, build, and maintain well‑managed data solutions and capabilities to tackle business problems. In Capital One’s Credit Review, you will partner with best‑in‑class credit reviewers, data scientists, product managers, and engineers to innovate solutions that directly impact the company’s bottom line in a meaningful way.

• Use open‑source/digital technologies to mine complex, voluminous, and diverse data sources and platforms.
• Build well‑managed data solutions, tools, and capabilities to enable self‑service frameworks for data consumers.
• Demonstrate ability to explore and quickly grasp new technologies to progress varied initiatives.

• Partner with the business to provide consultancy and translate business needs into tools, techniques, metrics, and dashboards for insights and data visualization.
• Drive analysis that provides meaningful insights on business strategies.

• Drive an understanding and adherence to the principles of data quality management, including metadata, lineage, and business definitions.
• Work collaboratively with appropriate tech teams to manage security mechanisms and data access governance.
• Build and execute tools to monitor and report on data quality.

• Degree specialized in a science, technology, engineering, mathematics discipline.
• Scripting experience in Python, R, Spark, and SQL.
• Strong desire and experience with data in various forms (data warehouses/SQL, unstructured data).
• Experience utilizing and developing within AWS services.

• Currently holds, or is in the process of obtaining, a bachelor’s degree plus at least five years of experience in data analytics, OR holds or is pursuing a master’s degree plus at least three years in data analytics, OR holds or is pursuing a PhD with an expectation of completion on or before the scheduled start date.
• At least three years of experience in at least one scripting language.
• At least one year of experience utilizing a business intelligence visualization tool.
• At least three years of experience querying, analyzing, and working with data languages and platforms.

• Master’s degree in a science, technology, engineering, mathematics discipline.
• At least four years of experience coding in Python, R, Spark, or SQL.
• At least four years of experience working within process management and improvement methodologies (Agile, Lean, Six Sigma, etc.).
• At least two years of experience utilizing and developing within AWS services.
• At least two years of experience delivering data governance and data quality management concepts and practices within the financial services industry.

Capital One will consider sponsoring a qualified applicant for employment authorization for this position. This role is Hybrid
, with associates expected to consistently spend three days per week in the office.

Salary ranges (full‑time, annual, base only):

• McLean, VA: $127,500 - $145,500
• Richmond, VA: $115,900 - $132,200
• Riverwoods, IL: $115,900 - $132,200
• Chicago, IL: $115,900 - $132,200

Salary for other locations is determined by the associated pay range. This role is also eligible to earn performance‑based incentive compensation, which may include cash bonus(es) and/or long‑term incentives.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial, and other benefits that support your total well‑being. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level.

Capital One is an equal‑opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace.

Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with applicable laws regarding background inquiries.

For technical support or questions about Capital One’s recruiting process, please send an email to

Referrals increase your chances of interviewing at Capital One by 2×. Salary for Richmond, VA listed elsewhere is $65,500.00 – $, posted 2 weeks ago.

Seniority level:
Mid‑Senior level

Employment type:

Full‑time

Job function:
Information Technology