About Us

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

At OpenSky, we believe that everyone has the right to access credit and achieve their financial goals. We have helped over 1.2 million customers get started and continue their path to realizing their financial goals. And we want to help and grow with our customers even more - by expanding our offerings to support them in their credit journey, and providing compelling products and digital solutions for education, advice, and financial services.

OpenSky is a high-growth, data-driven, dynamic, and entrepreneurial environment where you are limited only by your imagination. You’ll work with some of the brightest and most passionate minds in the FinTech industry, and from day one, start having a real impact on consumers’ lives and financial goals.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

As the Head of Data Science for OpenSky, you will lead the strategy, development, and execution of advanced analytics and modeling solutions that power our credit card lending business. This is a unique opportunity to build credit risk and fraud models from the ground up as we launch a new unsecured card product. You will shape the future of our data science capabilities, ensure robust model governance, and leverage cutting-edge machine learning techniques to drive business growth and manage risk. This is a hands-on leadership role with significant influence and the opportunity to scale the team and its impact over time.

Position Responsibilities

Set a bold vision and roadmap for data science, aligning with business objectives and growth priorities
Lead the development of new credit risk and fraud models from scratch to support the launch of our unsecured card business
Manage model delivery efforts, ensuring results are delivered on time and with quality
Own the model lifecycle—from design and development to deployment, monitoring, and continuous improvement
Influence executive decision-making by presenting insights and recommendations in a clear, compelling manner
Oversee model suite, monitoring for performance and identifying opportunities for improvement
Ensure model governance and compliance, including documentation, validation, and adherence to regulatory standards
Lead and mentor a team of data scientists and analysts, providing technical guidance, career development, and performance feedback
Foster cross-functional collaboration with product, technology, and data teams to ensure seamless integration of data science solutions
Stay ahead of industry trends and emerging technologies to keep the team at the cutting edge

Minimum Education & Experience

Bachelor’s degree in a quantitative field (e.g. Statistics, Data Science, Applied Mathematics)
Advanced degree in a quantitative field (e.g. Statistics, Data Science, Applied Mathematics) preferred
10+ years of experience in data science, with a strong track record of building and deploying predictive models in financial services
2-5+ years of leadership experience building and scaling data science teams
Proven track record of delivering measurable business impact through data-driven solutions
Deep understanding of credit risk modeling, fraud detection, and regulatory requirements
Have an ownership mindset and exceptional results focus and project management skills
Relentless persistence in solving problems
Strong executive presence and communication skills: ability to clearly and effectively communicate complex analytical insights to both technical and non-technical audiences

Technical Knowledge And Skills

Advanced SQL
Advanced Python
Expertise building advanced statistical models

Other

Ability to travel as needed.

Working Arrangements

This is a hybrid role expected to work in office Monday, Tuesday, Thursday, and Friday. You will be able to work remotely on Wednesday. Remote working arrangement may be possible with appropriate experience.

Compensation

Base Salary Range: $170,000 - $220,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, and ability to meet qualifications within the job description.
Additional Compensation: This role will include a yearly annual target bonus based on individual performance.

Why Join Us?

Join a growing company with a culture that fosters an entrepreneurial spirit
Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more!
Company Contributions to your 401k - Regardless of your contribution
Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
Generous Paid Time Off and Paid Holidays – Including Paid Charity Hours to support volunteer opportunities

Supporting Businesses. Helping People. Strengthening Communities.

Capital Bank, N.A. is an Affirmative Action and Equal Opportunity Employer

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