Senior Business Analyst, Financial Health Strategy

Capital One Group; Wilmington (DE); On-site; USD 101,000 - 115,000; Full time

Job summary

Capital One in Wilmington, DE seeks a Senior Business Analyst to influence strategy for financial health and inclusion initiatives within Retail Bank. You will build analytical business cases, run tests, and collaborate with product managers, data analysts, and risk advisors to drive customer-focused improvements.

The role emphasizes analytics, pricing strategy, and risk management, requiring strong communication and problem-solving skills in a fast-paced environment.

Qualifications

• Bachelor’s or Master’s degree in a quantitative field or MBA with quantitative concentration.
• 2+ years of professional experience performing analysis.
• Experience with lending products, pricing strategies, and risk/credit considerations.
• Strong SQL querying ability and data-driven decision making.

Responsibilities

• Identify business challenges and opportunities; propose analytics-driven recommendations.
• Model/analytics for new product and pricing strategies for lending products.
• Support marketing efforts and design customer experiences; develop insights to inform go-to-market strategies.
• Support credit risk improvements by linking drivers of future trends to historical behavior.
• Develop hypotheses, test, implement, and monitor solutions; collaborate with IT, Sales, Operations, Finance.

Skills

Analytical thinking

Strong communication skills

Decision making based on analytics

Stakeholder collaboration

SQL querying

Education

Bachelor's Degree in a quantitative field

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

Job description

As a Senior Business Analyst at Capital One, you will apply your strategic and analytical skills to major company challenges. You will team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you will do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.

Within this role, you will be a member of the Financial Health and Inclusion Team in Retail Bank, where you will act as a financial health consultant to bank partners and influence the strategy for other products, tools, processes, and experiences in the bank. Your responsibilities will include evaluating bank products, tools, processes, and experiences that impact customers’ financial health, building analytical business cases, running tests, evolving our financial health measurement strategy, producing insights about the financial health of our customers, and innovating products/services to inform and drive our financial health and inclusion strategy. This is all done in a collaborative environment where you will work closely with product managers, data analysts, and risk advisors, and that values your insight, encourages new responsibility, promotes continuous learning, and rewards innovation.

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

Wilmington, DE: $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.

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.

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).