Data Scientist (Auto Loan Pricing)

Applicants must be authorized to work in the United States without the need for current or future sponsorship. Provide independent data science, machine learning, and analytical insights using member, financial, and organizational data to support mission critical decision making for various areas of the organization. Understand business needs and identify opportunities for new products, services, and process optimization to meet business objectives through the use of cutting-edge data science. Create descriptive, predictive, and prescriptive models and insights to drive impact across the organization. Conduct work assignments of increasing complexity, under moderate supervision with some latitude for independent judgment. Intermediate professional within field; requires moderate skill set and proficiency in discipline This position is eligible for the TalentQuest employee referral program. If an employee referred you for this job, please apply using the system-generated link that was sent to you. Responsibilities + Design, develop, and evaluate moderately complex predictive models and advanced algorithms + Identifies meaningful insights from large data and metadata sources by selecting and applying the most effective analytical tools, methodologies, and technologies + Test hypotheses/models, analyze, and interpret results + Exercise sound judgment and discretion within defined procedures and practices + Develop and code moderately complex software programs, algorithms, and automated processes + Use modeling and trend analysis to analyze data and provide insights + Develop understanding of best practices and ethical AI + Transform data into charts, tables, or format that aids effective decision making + Build working relationships with team members and subject matter experts + Lead small projects and initiatives + Partners with key stakeholders to communicate pricing strategies and analytical approaches, translating technical findings into business-relevant insights that drive alignment, decision-making, and executive approval + Lead the review and governance of pricing policies and portfolio performance, executing recurring pricing analyses, monitoring activities, and optimization initiatives to support strategic pricing decisions and governance committee discussions + Design and enhance pricing frameworks for Auto Lending products, leveraging advanced analytics, predictive modeling, and optimization techniques to evaluate pricing alternatives and inform business strategy + Lead and collaborate with cross-functional teams to design, implement, and assess pricing experiments and test-and-learn initiatives, generating insights into borrower behavior and pricing elasticity across various pricing scenarios. + Develop and maintain deep industry expertise in the Direct and Indirect Auto Lending markets through competitive research, market intelligence, bureau data assessments, while supporting organizational knowledge-sharing and stakeholder education

efforts Qualifications + 3-5 years of experience in exploratory data analysis + Basic understanding of business and operating environment + Statistics + Programming, data modeling, simulation, and advanced mathematics + SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWS, Databricks + Model lifecycle execution + Technical writing + Data storytelling and technical presentation skills + Research Skills + Interpersonal Skills + Working knowledge of procedures, instructions, and validation techniques + Model Development + Communication + Critical Thinking + Collaborate and Build Relationships + Initiative with sound judgement + Technical (Big Data Analysis, Coding, Project Management, Technical Writing, etc.) + Sound Judgment + Problem Solving (Responds as problems and issues are identified) +, Bachelor’s Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fields Desired Qualifications + Master’s/PhD Degree

in Data Science, Statistics, Mathematics, Computers Science, or Engineering, Additional Information Hours: + Monday - Friday, 8:00AM - 4:30PM Location: + 820 Follin Lane, Vienna, VA 22180 About Us Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks. Our approach to careers is simple yet powerful: Make our mission your passion. * FORTUNE 100 Best Companies to Work For® 2026 * Yello and WayUp Top 100 Internship Programs 2025 * Computerworld® Best Places to Work in IT 2026 * Most Loved Workplace - America’s Top Most Loved Workplaces® 2025 * 2025 PEOPLE® Companies That Care * Newsweek Most Trustworthy Companies in America 2026 * Military Times 2025 Best for Vets Employers * Forbes® 2026 America’s Best Large Employers * Forbes® 2025 America’s Best Employers for New Grads * Forbes® 2025 America’s Best Employers for Tech Workers * 2025 RippleMatch Campus Forward Award Winner for Overall Excellence * Military.com Top Military Spouse Employers 2025 * 2026 Handshake Early Talent Award * Newsweek America’s Greatest Workplaces for Culture, Belonging and Community 2026 From Fortune Magazine. © 2026 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune 100 Best Companies to Work For are registered trademarks of Fortune Media IP Limited and are used under license. Fortune Magazine, Fortune Media (USA) Corporation, and its affiliates are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union., This team cannot provide any information on job postings or application status. Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive.