Senior Associate, Data Science

Senior Associate, Data Science

Location: Bangalore, Karnātaka, India

Company: Capital One

About Capital One

Capital One is a Fortune 200 company and leader in data-driven decision-making. Founded on the principle of using statistical modeling and relational database technology to personalize credit card offers, we now impact over 65 million customer accounts. Still founder-led by Chairman and CEO Richard Fairbank, we are a high-tech company, scientific laboratory, and nationally recognized brand committed to disrupting the financial industry and delivering a better way for our customers.

Team Description

At Capital One India, the Model Risk Management team operates at the cutting edge of solving fundamental business problems using advanced data methodologies, statistics, and machine learning algorithms. We act as a critical line of defense, identifying and mitigating risks associated with the bank's most sophisticated decision-making systems. We combine statistics, software engineering, and business expertise to ensure that every model—from deposits pricing to fraud detection—is robust and reliable. We invest heavily in new skills and tools to govern emerging technologies like Generative AI, thriving on a rigorous challenge culture to develop increasingly powerful validation techniques that ensure model integrity and regulatory compliance.

General Responsibilities

• Partner cross-functionally with teams throughout the enterprise including Product and Tech to deliver solutions
• Enhance your technical and analytical skills while working with leaders to influence business strategies
• Collaborate with Quants, Data Scientists, Data analysts, Business analysts and risk managers to drive innovation and shape strategic initiatives
• Utilize data to drive real-world impact and thrive in a collaborative, forward-thinking environment
• Assess, challenge, and at times defend state-of-the-art decision-making systems to internal and regulatory partners
• Build upon your existing machine learning and statistical toolset by learning new technologies and building custom software tools for data exploration and model performance evaluation
• Use Open Source/Digital technologies to mine complex, voluminous, and different varieties of data sources and platforms
• Build well-managed data products, 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
• Drive analysis that provides meaningful insights on business strategies
• Communicate technical subject matter clearly and concisely to individuals from various backgrounds both verbally and through written communication; prepare presentations of complex technical concepts and research results to non-specialist audiences and senior management
• Flex your interpersonal skills to defend the model with validators, auditors and regulators

Ideal Candidate

Inquisitive: You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You are not afraid to share a new idea.

Technical: You're comfortable with open-source languages and are passionate about developing further. You have hands-on experience developing data science solutions using open-source tools and cloud computing platforms.

Quantitative and ML/Statistically-minded: You've built models, validated them, and worked with them.

Thrives in a dynamic and fast-paced environment: You are comfortable with ambiguity and enjoy cutting through distractions to discern priorities and create structure where none exists. You understand the big picture but are also able to execute with close attention to detail.

Innovative: You continually research and evaluate emerging technologies. You stay current on published state-of-the-art methods, technologies, and applications and seek out opportunities to apply them.

Basic Qualifications

• Bachelor's degree in statistics, math, engineering, economics, econometrics, finance or operations research with a quantitative focus
• At least 2 years of experience in data analytics
• At least 1 year's experience in Python or R

Preferred Qualifications

• 2+ years of experience in model development or validation
• 2+ years of experience in R or Python for large scale data analysis
• 2+ years of experience with relational databases and SQL
• Strong analytical skills with high attention to detail and accuracy
• Excellent written and verbal communication skills
• Experience in the financial services industry
• Proficiency in key econometric and statistical techniques, model design, development and deployment experience
• Experience in evaluating and working with emerging technologies and algorithms

Additional Information

At this time, Capital One will not sponsor a new applicant for employment authorization for this position. No agencies please.

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 the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

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For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com.

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