Senior Business Analyst - AI Strategy & Tooling

Capital One; Richmond (VA); On-site; USD 101,000 - 115,000; Full time

Job summary

Capital One seeks a Senior Business Analyst to pioneer AI tooling in Card analytics, shaping how we deploy Gemini, Claude, and our AI Platform to analysts daily. You will gather deep user context, engineer new workflows with Claude, and partner with Business Analysts to drive enterprise adoption, pushing our analytical credit tools beyond current capabilities.

This role requires a strong communicator with a rigorous analytical mindset and a genuine interest in emerging technology to shape the

Qualifications

• At least 2 years of professional experience performing analysis.
• Bachelor’s or Master’s degree in a quantitative field or MBA with quantitative concentration, by start date.
• Experience or exposure to AI tooling in analytics is a plus.

Responsibilities

• Analyze business challenges and recommend strategic improvements.
• Model and analyze to support new product and pricing strategies for lending products.
• Support marketing efforts with targeted insights for new customer experiences.
• Develop risk models and monitor credit performance to drive improvements.
• Frame problems, develop hypotheses, test and implement solutions.
• Collaborate with IT, Sales, Operations, Finance to drive quality and profitability.
• Combine analytical thinking with strong business judgment to guide decisions.
• Communicate clearly and influence stakeholders to align on analytics initiatives.
• Drive results in a fast-paced, entrepreneurial environment.
• Consulting experience is a plus.

Skills

Analytical mindset

Strong communication skills

Education

Bachelor's Degree in a quantitative field

Master's Degree in a quantitative field or MBA with quantitative concentration

Tools

SQL querying

Job description

Join the team redefining credit analytics through AI! At Capital One, our credit policies are powered by data, and our future is driven by the transformative potential of AI. We are seeking a Senior Business Analyst to act as a pioneer in our AI tooling space, maximizing the impact of large language models and generative technologies within Card analytics. You won’t just be using AI; you’ll be the architect of how our organization adopts it, establishing the frameworks for how we integrate tools like Gemini, Claude, and our AI Platform into the daily workflows of our analysts. As a trailblazer on this front, you will be responsible for setting the standard for AI usage and disseminating breakthrough learnings across the department.

This role blends product vision with hands‑on execution. Beyond defining the roadmap for our next generation of credit tools, you will actively drive their development - gathering deep user context, leveraging Claude to engineer new workflows, and partnering with Business Analysts to ensure seamless enterprise adoption. Our team currently manages a sophisticated suite of tools that predict account performance and pinpoint risky populations, and your mission is to push these boundaries further.

We are looking for a strong communicator with a rigorous analytical mindset and a genuine interest in emerging technology. While deep technical expertise is not required, you must possess the technical curiosity to navigate our data environments and the ingenuity to experiment with new AI capabilities as they are released. If you are a trailblazer eager to shape the future of analytics, we want you to help us build what’s next.

General Responsibilities

• Analysis: Identify business challenges and opportunities for improvement and solve for them using analysis to make strategic or tactical recommendations
• Product: Perform modeling/analytics to assist new product and pricing strategies for various lending products
• Marketing: Support direct-to-consumer marketing efforts for select products, and strategic intent for products distributed through the retail channel. Help build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go to market strategies
• Credit Risk: Support step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis
• Execution: Involve problem frame‑works, develop hypotheses, test and analysis, solution development, scope operational feasibility, lead implementation efforts and develop a monitoring plan
• Partnership: Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability
• Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management
• Strong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business
• Strong communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills
• Clear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment
• Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus

Basic Qualifications

• At least 2 years of professional experience performing analysis
• 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 Bachelor's Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer engineering, Software engineering, Mechanical engineering, Information Systems or a related quantitative field)
  • A Master's Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical engineering, Information Systems or a related quantitative field) or an MBA with a quantitative concentration

Preferred Qualifications

• Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
• 1+ years of experience in Statistical model building
• 1+ years of experience in market research
• 1+ years of experience in SQL querying
• 2+ years of experience in business analysis
• 1+ years of experience in consulting

Capital One will consider sponsoring a new qualified 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: $111,200 - $126,900 for Sr. Business Analyst

New York, NY: $121,300 - $138,400 for Sr. Business Analyst

Richmond, VA: $101,100 - $115,400 for Sr. Business 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.

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 [e-mail]. 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 One's recruiting process, please send an email to [e-mail]

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).