Principal Financial Analyst

Capital One Group; New York (NY); Hybrid; USD 132,000 - 151,000; Full time

Job summary

Capital One Software is seeking a Principal Financial Analyst to deliver robust financial analysis and modeling for new product launches and pricing strategies. The role emphasizes cross-functional collaboration, clear communication, and executive-ready insights.

The position is hybrid, requiring on-site presence per policy, with strong capabilities in Excel and PowerPoint to drive strategic decision-making and reporting accuracy.

Qualifications

• Bachelor’s Degree or military experience.
• At least 3 years of experience in financial analysis.
• At least 3 years of experience with financial modeling.
• At least 1 year of experience using Microsoft Excel and Microsoft PowerPoint.

Responsibilities

• Build understanding of Capital One Software’s P&L for monthly reporting and insights.
• Conduct monthly variance analysis across product lines and contracts.
• Collaborate to evaluate pricing structures and growth initiatives.
• Support financial models and business cases for launches and expansions.
• Prepare deck slides and summaries for finance leadership review.
• Maintain reporting processes and perform ad-hoc analyses for projects.

Skills

Financial analysis

Financial modeling

Excel

PowerPoint

Communication

Education

Bachelor’s Degree

CFA license

CPA license

Tools

Microsoft Excel

Microsoft PowerPoint

Job description

Principal Financial Analyst

Capital One is seeking a culture-led, results-driven, and strategic Principal Financial Analyst for Capital One Software. This is an exciting time for the Software team, as we build momentum against recent product launches in data management and security.

Key Responsibilities:

• Build a solid understanding of Capital One Software’s P&L to support regular monthly reporting and analytical insights into financial performance.
• Conduct monthly variance analysis, identifying key drivers and income statement implications across product lines and contract structures.
• Collaborate with business partners to evaluate customer engagements, pricing structures, and growth initiatives.
• Support the creation of financial models and business cases for new product launches, feature expansions, and strategic opportunities.
• Prepare clear, concise deck slides and analysis summaries for review by finance leadership and executive stakeholders.
• Maintain well-managed, sustainable reporting processes and execute ad-hoc financial analysis for special projects.

What We Are Looking For:

The ideal candidate will provide strong analytical support and financial modeling expertise as we evaluate new product launches, customer engagements, and pricing terms. The role requires solid problem-solving skills, financial acumen, and strong communication skills to:

• Synthesize analytical findings into actionable recommendations for finance leads.
• Deliver accurate, high-quality work under both open-ended and tight timelines.
• Tackle complex analytical challenges and bring structure to financial data.
• Work cross-functionally and collaborate effectively across finance and business teams.

Location:

This role is designated as a hybrid position. You are expected to adhere to Capital One's hybrid policy regarding required on-site presence at your designated office location.

Basic Qualifications:

• Bachelor’s Degree or military experience
• At least 3 years of experience in financial analysis
• At least 3 years of experience with financial modeling
• At least 1 year of experience using Microsoft Excel and Microsoft PowerPoint

Preferred Qualifications:

• Chartered Financial Analyst (CFA) license or Certified Public Accountant (CPA) license
• 4+ years of experience in financial analysis
• 4+ years of experience with financial modeling
• 3+ years of experience in strategic analysis & planning

At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (e.g. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-3, and O-1, or any other forms of work authorization that require immigration support from an employer).

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.

McLean, VA: $120,800 - $137,900 for Principal Financial Analyst

New York, NY: $131,800 - $150,500 for Principal Financial Analyst

Richmond, VA: $109,900 - $125,400 for Principal Financial Analyst

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.

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 [e-mail]. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

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).