Principal Data Scientist; Credit Risk Small Business and Commercial

Position: Principal Data Scientist (Credit Risk for Small Business and Commercial)
Job-:
Data Scientist

Location:

Vienna, VA, United States Workplace:
Hybrid

Schedule:

Full time, Regular Hours Posted:
Closes:
Targeted Salary Range: $128,500 - $164,700 annually

Provide strategic data science, machine learning, and advanced analytics leadership to inform mission-critical decisions across the organization, with a primary focus on small business lending. Leverage small business credit, application, financial statement, cash flow, transaction, and performance data to shape underwriting, risk segmentation, pricing, portfolio management, and the end-to-end member lending experience. Partner with senior leaders and cross-functional stakeholders to identify high-impact opportunities, influence product and credit strategies, and translate complex data into scalable analytical solutions, actionable insights, and measurable business outcomes.

Advance the organization’s analytical capabilities through descriptive, predictive, and prescriptive modeling and the responsible application of leading data science techniques. Operate as a trusted advisor and advanced practitioner, leading complex initiatives with broad independent judgment and developing analytical talent across the team. Qualifications6+ years of experience with requisite competencies

Complete knowledge and full understanding of specialization

Statistics, machine learning , data mining, data auditing, aggregation, reconciliation, and visualization

Programming, data modeling, simulation, and advanced mathematics SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWSModel lifecycle execution

Technical writing

Data storytelling and technical presentation skills

Research Skills Interpersonal Skills Advanced 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.)Independent Judgment Problem Solving (Identifies the constraints and risks)
Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fields

Desired Qualifications Master’s or doctoral degree in data science, statistics, mathematics, computer science, engineering, or a related quantitative discipline

Demonstrated success applying data science, machine learning, or advanced analytics to small business banking, commercial lending, or small business lending strategies

Deep experience designing and implementing analytical solutions across the lending lifecycle, including originations, underwriting, credit decisioning, pricing, account management, portfolio monitoring, and collections

Strong command of small business credit risk, cash flow underwriting, commercial credit data, financial statements, transaction data, and alternative data sources

Proven ability to influence senior leaders and partner across lending product, credit risk, underwriting, operations, and model risk to translate analytical insights into strategic business decisions Additional Information

Hours:

Monday - Friday, 8:00AM - 4:30

PM

Location:

820 Follin Lane, Vienna, VA 22180

Responsibilities Design, develop, and evaluate large and complex predictive models and advanced algorithms Test hypotheses/models, analyze, and interpret results

Develop actionable insights and recommendations

Develop and code complex software programs, algorithms, and automated processes

Use evaluation, judgment, and interpretation to select right course of action

Work on problems of diverse scope where analysis of information requires evaluation of identifiable factors

Produce innovative solutions driven by exploratory data analysis from complex and high-dimensional datasets

Transform…