Principal Data Scientist – Credit Risk Forecasting

Navy Federal Credit Union

. Contribute to end-to-end CECL model development, implementation, execution, monitoring, documentation, and governance for consumer lending portfolios .

Posted 9/21/2026full-timeUnited StatesLead💰 $114,500 - $179,500 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in CECL model development, predictive modeling, and advanced algorithms, with proficiency in Python, R, SAS, SQL, and AWS. Capable of leading projects, mentoring team members, and effectively communicating complex findings to diverse stakeholders.

Highest-signal resume keywords

CECL Model DevelopmentPredictive ModelingPython ProgrammingData VisualizationModel Risk Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

StatisticsMachine LearningData MiningData AuditingData ModelingSimulationAdvanced MathematicsTechnical WritingModel DevelopmentData Storytelling

Soft Skills

JudgmentCollaborationMentoringCommunicationProblem Solving

Tools & Technologies

RSASSQLHadoopSPSSScalaAWS

Industry Keywords

Consumer LendingCredit Loss ForecastingModel Risk Management GuidelinesFederal and State LawsBanking and Financial Industry Trends

Tech Stack

Tools & technologies

AWSHadoopPythonScalaSQL

About the role

Key responsibilities & impact

Contribute to end-to-end CECL model development, implementation, execution, monitoring, documentation, and governance for consumer lending portfolios
Design, develop, and evaluate large and complex predictive models and advanced algorithms
Test hypotheses and models, analyze results, and interpret findings
Develop actionable insights and recommendations
Develop and code complex software programs, algorithms, and automated processes
Evaluate information and exercise judgment to select appropriate courses of action
Produce innovative solutions through exploratory data analysis of complex, high-dimensional datasets
Document analyses and present findings to diverse stakeholders
Develop strong working relationships with team members, subject matter experts, and leaders
Lead moderate to large projects and initiatives
Model best practices and ethical AI
Work with senior management on complex issues
Assist with developing and enhancing practices, procedures, and instructions
Serve as a technical resource for team members
Mentor junior team members in credit risk forecasting and financial performance assessments

Requirements

What you’ll need

6+ years of experience with requisite competencies
Complete knowledge and full understanding of specialization
Knowledge of statistics, machine learning, data mining, data auditing, aggregation, reconciliation, and visualization
Knowledge of programming, data modeling, simulation, and advanced mathematics
Proficiency in Python, R, SAS, SQL, Hadoop, SPSS, Scala, and AWS
Model lifecycle execution
Technical writing
Data storytelling and technical presentation skills
Research skills
Advanced knowledge of procedures, instructions, and validation techniques
Model development
Bachelor's Degree in Data Science, Statistics, Mathematics, Computer Science, Engineering, or similar quantitative fields
Must be authorized to work in the United States without current or future sponsorship
Desired: Master's/PhD degree in a related field
Desired: Advanced knowledge of CECL reserving, credit loss forecasting, and Model Risk Management guidelines
Desired: Experience with consumer lending portfolios
Desired: Familiarity with loan-level or account-level credit loss modeling techniques
Desired: Experience implementing controlled model production processes
Desired: Experience responding to model risk, audit, regulatory, accounting, or control review questions
Desired: Advanced knowledge of applicable federal and state laws and regulations governing consumer lending
Desired: Advanced knowledge of banking and financial industry trends
Monday-Friday availability, 8:00 AM-4:30 PM

Benefits

Comp & perks

Highly competitive pay
Generous benefits and perks
Employee referral program eligibility