Senior Director, Data Science - Head of Fair Lending Analytics - Fair & Banking Complian

Senior Director, Data Science – Head of Fair Lending Analytics – Fair & Responsible Banking Compliance

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 relational database technology in 1988. Fast-forward a few years, and this innovation and our passion for data has propelled us to a Fortune 200 company and a leader in 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 computing and machine learning technologies and operating across billions of customer records to unlock big opportunities that help everyday people save money, time, and more in their financial lives.

The Compliance and Ethics Department is seeking a Data Scientist to lead the group of data scientists and analysts that help identify and mitigate fair lending and related compliance risk throughout Capital One. As the quantitative arm of the Fair & Responsible Banking Compliance Team (F&R/B), the Fair Lending Analytics group partners with Legal department subject‑matter experts to conduct data analyses of lending decisions and provide guidance, advice, and approvals for business area activities based on these analyses.

This role involves leading experienced data scientists across all aspects of fair lending reviews and monitoring, including performing statistical data analyses, modeling on judgmental areas, working with business on the review of credit models and policies, and enabling the responsible development of AI in credit processes.

In addition to being a great Data Scientist, this role requires a strong people leader responsible for overseeing a team of compliance professionals, including other data scientists. This position reports to the Managing Vice President – F&R/B Officer and Senior Compliance Officer, Consumer Regulatory, and will join the F&R/B leadership team.

• 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 and effectively mitigate compliance risks
• Develop and implement fair lending and responsible data‑use processes at Capital One to enable a winning credit business in an AI world

• Innovative: you continually research and evaluate emerging technologies and stay current on state‑of‑the‑art methods, technologies, and applications, seeking opportunities to apply them.
• A leader: you challenge conventional thinking and work with stakeholders to identify and improve the status quo, and you’re passionate about talent development for your team and beyond.
• Technical: you’re comfortable with open‑source languages and 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 can interpret a confusion matrix or a ROC curve and have experience with clustering, classification, sentiment analysis, time series, and deep learning.
• A data guru: "big data" doesn’t faze you. You can retrieve, combine, and analyze data from a variety of sources and structures, knowing that understanding the data is often key to great data science.
• Influential: you bring a proven track record of building relationships, inspiring trust, appropriately escalating issues in a timely way, and making grounded recommendations that balance risks and business needs.

• Currently has, or is in the process of obtaining one of the following, with an expectation that the…