Based in Vienna, Virginia (hybrid) within the United States, Navy Federal Credit Union seeks a Principal Data Scientist focused on Credit Risk for Small Business and Commercial lending. This role provides strategic data science leadership across the organization to inform underwriting, risk segmentation, pricing, portfolio management, and the end-to-end member lending experience. You will leverage small business credit data, loan applications, financial statements, cash flow, transaction data, and performance data to shape models and analytics that drive measurable business outcomes. Collaborate with senior leaders and cross-functional partners to identify high-impact opportunities, influence product strategies, and translate complex data into scalable analytical solutions and actionable insights. Advance the organization’s capabilities through descriptive, predictive, and prescriptive modeling and the responsible application of leading data science techniques. Act as a trusted advisor and advanced practitioner, leading complex initiatives with broad independent judgment and developing analytical talent across the team. Mentor colleagues, lead projects, model best practices and ethical AI, and work with senior management on complex issues.

Based in Vienna, Virginia (hybrid) within the United States, Navy Federal Credit Union seeks a Principal Data Scientist focused on Credit Risk for Small Business and Commercial lending. This role provides strategic data science leadership across the organization to inform underwriting, risk segmentation, pricing, portfolio management, and the end-to-end member lending experience. You will leverage small business credit data, loan applications, financial statements, cash flow, transaction data, and performance data to shape models and analytics that drive measurable business outcomes. Collaborate with senior leaders and cross-functional partners to identify high-impact opportunities, influence product strategies, and translate complex data into scalable analytical solutions and actionable insights. Advance the organization’s capabilities through descriptive, predictive, and prescriptive modeling and the responsible application of leading data science techniques. Act as a trusted advisor and advanced practitioner, leading complex initiatives with broad independent judgment and developing analytical talent across the team. Mentor colleagues, lead projects, model best practices and ethical AI, and work with senior management on complex issues.