Director, Data Scientist - US Card (Mainstreet Acquisitions)
Company: Discover Financial Services
Location: Richmond
Posted on: March 16, 2026
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Job Description:
Data 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
Description The Card data science team is responsible for the
critical models that underlie our underwriting policies for the
Capital One Card business. We work directly with the analyst teams
that manage our core credit card business to innovate and provide
the best possible products and experiences for our customers. In
this role, you will lead a horizontal effort to transform how we
build and train the next generation of models, accelerating our
speed to market through improved data infrastructure, and creating
novel insights by leveraging cutting edge machine learning and AI
techniques to innovate how credit forecasting works at Capital One.
Role Description In this role, you will: Partner with a
cross-functional team of data scientists, software engineers, and
product managers to deliver a product customers love Leverage a
broad stack of technologies — Python, Conda, AWS, H2O, Spark, and
more — to reveal the insights hidden within huge volumes of numeric
and textual data Build machine learning models through all phases
of development, from design through training, evaluation,
validation, and implementation Flex your interpersonal skills to
translate the complexity of your work into tangible business goals
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. A leader. You challenge conventional thinking and work with
stakeholders to identify and improve the status quo. You’re
passionate about talent development for your own team and beyond.
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 Bachelors Degree in a quantitative field (Statistics,
Economics, Operations Research, Analytics, Mathematics, Computer
Science, or a related quantitative field) plus 9 years of
experience performing data analytics A Masters 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 7 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)
plus 4 years of experience performing data analytics At least 4
years of experience leveraging open source programming languages
for large scale data analysis At least 4 years of experience
working with machine learning At least 4 years of experience
utilizing relational databases Preferred Qualifications: PhD in
“STEM” field (Science, Technology, Engineering, or Mathematics)
plus 5 years of experience in data analytics At least 1 year of
experience working with AWS At least 3 year of experience managing
people At least 5 years of experience in Python, Scala, or R for
large scale data analysis At least 5 years of experience with
machine learning 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. Chicago, IL: $244,700 - $279,200
for Dir, Data Science McLean, VA: $269,100 - $307,200 for Dir, Data
Science New York, NY: $293,600 - $335,100 for Dir, Data Science
Richmond, VA: $244,700 - $279,200 for Dir, Data Science Candidates
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 Capital One Careers
website . 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
(EOE, including disability/vet) committed to non-discrimination in
compliance with applicable federal, state, and local laws. Capital
One promotes a drug-free workplace. Capital One will consider for
employment qualified applicants with a criminal history in a manner
consistent with the requirements of applicable laws regarding
criminal background inquiries, including, to the extent applicable,
Article 23-A of the New York Correction Law; San Francisco,
California Police Code Article 49, Sections 4901-4920; New York
City’s Fair Chance Act; Philadelphia’s Fair Criminal Records
Screening Act; and other applicable federal, state, and local laws
and regulations regarding criminal background inquiries. If you
have visited our website in search of information on employment
opportunities or to apply for a position, and you require an
accommodation, please contact Capital One Recruiting at
1-800-304-9102 or via email at
RecruitingAccommodation@capitalone.com . All information you
provide will be kept confidential and will be used only to the
extent required to provide needed reasonable accommodations. For
technical support or questions about Capital Ones recruiting
process, please send an email to Careers@capitalone.com Capital One
does not provide, endorse nor guarantee and is not liable for
third-party products, services, educational tools or other
information available through this site. Capital One Financial is
made up of several different entities. Please note that any
position posted in Canada is for Capital One Canada, any position
posted in the United Kingdom is for Capital One Europe and any
position posted in the Philippines is for Capital One Philippines
Service Corp. (COPSSC).
Keywords: Discover Financial Services, Chesapeake , Director, Data Scientist - US Card (Mainstreet Acquisitions), IT / Software / Systems , Richmond, Virginia
