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About the job

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.

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 data into charts, tables, or format that aids effective decision making

Utilize effective written and verbal communication to document analyses and present findings analyses to a diverse audience of stakeholders

Develop and maintain strong working relationships with team members, subject matter experts, and leaders

Lead moderate to large projects and initiatives

Model best practices and ethical AI

Works with senior management on complex issues

Assist with the development and enhancement practices, procedures, and instructions

Serve as technical resource for other team members

Mentor lower levels

6+ 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, AWS

Model 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 - 4:30PM

Location:

820 Follin Lane, Vienna, VA 22180

Navy 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® 2025

Yello and WayUp Top 100 Internship Programs

Computerworld® Best Places to Work in IT

Newsweek Most Loved Workplaces

2025 PEOPLE® Companies That Care

Newsweek Most Trustworthy Companies in America

Military Times 2025 Best for Vets Employers

Best Companies for Latinos to Work for 2025

Forbes® 2025 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

2025 Handshake Early Talent Award

From Fortune . ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited 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.