Principal Data Scientist, Consumer Identity Machine Learning

Company: Capital One
Location: San Jose
Posted on: May 14, 2025

Job Description:

Principal Data Scientist, Consumer Identity Machine LearningData 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 the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of 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 in computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives.Team DescriptionConsumer Identity ML is the data science and machine learning team inside Capital One's AI foundation organization. We deliver real-time, personalized, intelligent customer experiences in Capital One's suite of award-winning digital products, including our website, mobile app, emails, chatbot, and beyond. We partner closely with our product and engineering teams to build the data and modeling platforms crucial to the deep understanding of customers that enables our applications to delight them by adapting to their needs.As part of Consumer ML, you will:

• Explore billions of clickstream events to discover the patterns in customer behavior, and use those patterns to model key customer outcomes.
• Develop the real-time models that use vast amounts of customer data to anticipate customers' needs and deliver the right options at the right time.
• Develop the models that ensure our most important customer data is accurate, fighting fraud and other bad behavior, while enabling seamless digital experiences across all our products.Role DescriptionIn Consumer Identity ML, you will work at all phases of the data science life cycle, including:
• Build machine learning models through all phases of development, from design through training, evaluation and validation, and partner with engineering teams to improve operationalization in scalable and resilient production systems that serve 50+ million customers.
• Partner closely with a variety of business and product teams across Capital One to conduct the experiments that guide improvements to customer experiences and business outcomes in domains like marketing, servicing and fraud prevention.
• Write software (Python, e.g.) to collect, explore, visualize and analyze numerical and textual data (billions of customer transactions, clicks, payments, etc.) using tools like Spark.The Ideal Candidate is:
• 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.
• Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You're 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.
• Statistically-minded. You've built models, validated them, and back tested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning.
• A data guru. "Big data" doesn't faze you. You have the skills to retrieve, combine, and analyze data from a variety of sources and structures. You know understanding the data is often the key to great data science.Basic Qualifications:
• Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:

• A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 5 years of experience performing data analytics.
• A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 3 years of experience performing data analytics.
• A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field).Preferred Qualifications:
• Master's Degree in "STEM" field (Science, Technology, Engineering, or Mathematics) plus 3 years of experience in Deep Learning, or PhD in "STEM" field (Science, Technology, Engineering, or Mathematics).
• Specialized experience in the fields of Information Retrieval, NLP, Data-centric AI, and Knowledge Graphs.
• Track record of driving innovation, publishing and communicating your work in industry.
• At least 3 years' experience in PyTorch/Tensorflow.
• At least 3 years' experience with machine learning.
• At least 1 year of experience working with AWS.Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.McLean, VA: $158,600 - $181,000 for Princ Associate, Data ScienceNew York, NY: $173,000 - $197,400 for Princ Associate, Data ScienceSan Jose, CA: $173,000 - $197,400 for Princ Associate, Data ScienceCandidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. Capital One promotes a drug-free workplace.
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Keywords: Capital One, Milpitas , Principal Data Scientist, Consumer Identity Machine Learning, Other , San Jose, California