Associate Data Scientist

About This Role

Capital One is hiring Associate Data Scientists to work on credit risk, fraud analytics, customer personalization, and marketing optimization. You will use ML and statistical modeling to make decisions that directly affect millions of cardholders and small business customers across the United States.

Job Overview

• Job Title: Associate Data Scientist
• Company: Capital One
• Location: McLean, VA / Richmond, VA / New York, NY / Chicago, IL / Dallas, TX
• Job Type: Full-time
• Experience Level: Entry-level (0–2 years)
• Salary Range: $35–$50/hr
• Posted Date: 2026-06-04
• Application Deadline: 2026-07-04

Role Context

Capital One considers itself a technology company that happens to be a bank. Its data science organization is among the largest in financial services, working on AWS-native ML pipelines and real-time decisioning systems. Associate data scientists join one of several verticals — credit, fraud, marketing, or enterprise — and work in cross-functional teams with engineers, product managers, and business analysts.

Key Responsibilities

• Build and validate credit risk, propensity, or fraud detection models using Python and SQL
• Develop feature engineering pipelines on AWS using SageMaker and Redshift
• Perform statistical analysis to evaluate model performance and track KPIs
• Work with compliance teams to document models per regulatory requirements
• Present analytical findings to senior data scientists and business stakeholders
• Contribute to the team's transition from legacy SAS-based workflows to Python/cloud pipelines

Requirements & Skills

• Bachelor's or Master's in Statistics, Applied Mathematics, Computer Science, or a quantitative field
• Python proficiency — scikit-learn, pandas, and data visualization libraries
• Strong SQL skills for data preparation and ad hoc analysis
• Familiarity with logistic regression, tree-based models, or time-series forecasting
• Awareness of model risk management and fair lending concepts is a plus
• AWS or cloud platform experience is beneficial

Benefits & Work Conditions

• $35–$50/hr with annual bonus and Capital One stock
• Hybrid model — 3 days in office per week
• Full benefits including medical, dental, vision, and life insurance from day one
• 401(k) with generous employer match
• Tuition assistance and Capital One University internal learning programs

Who Should Apply

Quantitatively minded graduates who want to work in financial services without sacrificing technical depth. Capital One's cloud-first engineering culture means you will be writing real production code in addition to doing analytics, making this a strong stepping stone toward senior ML or data engineering roles.

About the Company

Capital One is a Fortune 100 bank and one of the largest US credit card issuers. Unlike traditional banks, it has built a fully cloud-native technology stack on AWS and is known for treating data science as a core competency, not a support function. Its tech organization operates like a product company within a regulated financial institution.

How to Apply

Apply through Capital One Careers. Search for "Associate Data Scientist." The process includes an online assessment, a technical phone screen covering Python and SQL, and a final round of behavioral and case-based interviews.