Principal Financial Analyst - Card Operations

Capital One; Richmond (VA); On-site; USD 110,000 - 138,000; Full time

Job summary

Capital One is seeking a Principal Financial Analyst for Card Operations in Virginia. You will consolidate financial results across Card Servicing towers, prepare reports, and present findings to senior leadership to influence forecasting and efficiency initiatives.

The role emphasizes problem solving, strategic thinking, and influencing skills to drive actionable insights. It requires strong financial analysis, modeling experience, and collaboration with internal stakeholders.

Qualifications

• Bachelor’s degree or military experience required.
• At least 3 years of experience in financial analysis or modeling.
• Experience in financial services, banking or technology industries.

Responsibilities

• Prepare monthly, quarterly, and annual financial reporting and analysis.
• Lead development of presentations to communicate analysis results to senior audiences.
• Analyze key cost drivers and monthly variances, suggest actions to the business.
• Proactively identify and lead new analysis that drives additional insights.
• Partner with finance leaders and internal stakeholders.
• Identify and drive process improvements to generate efficiencies.
• React to ad-hoc requests and special projects.
• Excellent verbal and written communication skills.

Skills

Financial analysis

Financial modeling

Stakeholder management

Executive communication

Forecasting

Education

Bachelor’s Degree or Military experience

MBA preferred

Job description

Principal Financial Analyst - Card Operations

As Capital One grows the operations and servicing teams become increasingly important to drive scale, differentiated customer experience, and efficiencies. This role will support the Card Operations team, within the Customer Service and Strategy Organization , with a focus on agent operations. As a Principal Associate on the team, you will be responsible for consolidating financial results across Card Servicing towers, reporting and communicating results to key business stakeholders, analyzing performance and efficiency metrics and identifying trends.

You will analyze financial results, socialize drivers and impact, and provide recommendations based on the results to Card Operations business leaders. This role will also support building new, sustainable, and efficient processes as we continue to integrate legacy Discover and legacy Capital One Financial data and associates through automation and leveraging AI.

The role requires problem solving, strategic thinking, and influencing skills in order to effectively :

• Articulate outcomes of analysis and relevant insights
• Able to critically evaluate broad option sets and present recommendations
• Effective under both open-ended and tight timelines
• Provide financial leadership to the team and business partners by leveraging financial insights to influence actions and results
• Communicate analytic insights through clear, high impact, "executive-ready" presentations
• Build relationships across the organization
• Comfortable working in white space
• Design end-to-end well-managed and efficient financial forecasting processes

General Responsibilities:

• Prepare monthly, quarterly, and annual financial reporting and analysis
• Lead development of presentations to communicate analysis results to senior audiences, clearly articulate outcomes of analysis to leadership teams
• Accurately analyze & explain key cost drivers and monthly variances, suggest actions to the business, and help manage the regular reporting process
• Proactively identify and lead new analysis that drives additional insights into business performance and opportunities
• Partner with finance leaders and their teams, as well as other internal stakeholders
• Identify and drive process improvements to generate efficiencies in a well-managed way
• React to ad-hoc requests and special projects
• Excellent verbal and written communication skills

Basic Qualifications:

• Bachelor’s Degree or Military experience
• At least 3 years of experience in financial analysis, financial modeling, or a combination

Preferred Qualifications:

• Master’s Degree in Business Administration (MBA) or Master’s Degree in Finance
• Chartered Financial Analyst (CFA) license or Certified Public Accountant (CPA) license
• 5+ years of experience in financial analysis and financial modeling
• 3+ years of experience in financial services, banking or technology industries
• 3+ years of experience partnering with senior leaders and internal stakeholders

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

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

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 (https://www.capitalonecareers.com/benefits) . 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.