Sr. Business Analyst - Global Payment Network

Capital One; Chicago (IL); On-site; USD 101,000 - 115,000; Full time

Job summary

Capital One is seeking a Sr. Business Analyst for the Global Payment Network in Chicago, IL.

This role combines strategic analysis with hands-on modeling to inform pricing, marketing, and credit risk decisions, across card networks and payment brands. You will partner with IT, Sales, Operations, and Finance to translate data into actionable insights, monitor performance, and test hypotheses using rigorous analysis.

Qualifications

• At least 2 years of professional experience performing analysis.
• Master’s degree or in-progress degree in a quantitative field preferred.
• Experience with statistical modeling and data-driven decision making.
• Experience in consulting or cross-functional project work is a plus.

Responsibilities

• Analyze business challenges and propose strategic or tactical solutions.
• Develop models to support product pricing and lending strategies.
• Support marketing efforts with targeted analytics for direct-to-consumer initiatives.
• Build risk and performance analyses to inform credit decisions and forecasts.
• Collaborate with IT, Sales, Operations, and Finance to drive improvements.

Skills

Statistical modeling

Market research

SQL querying

Business analysis

Consulting

Education

Master’s Degree in Business or quantitative field

Tools

SQL querying

Job description

Sr. Business Analyst - Global Payment Network

Summary:

The Global Payment Network is a unique network built for global connectivity and partnership. The foundation of our global reach and payments infrastructure rests on three powerful payments leaders and distinct network brands that have operated together for almost two decades.

• Discover Network is an international acceptance network that provides global acceptance to cardholders of participating Issuers from around the world
• Diners Club International is a premium issuing brand that has 40+ issuers in 35+ countries; the Diners Club network is an international network that provides global acceptance to cardholders of participating Issuers from around the world
• Pulse is a leading U.S. debit network known for its strength in real-time debit and an extensive global ATM network

Our analytics teams help power the Global Network by transforming complex payment activity into actionable insights. From monitoring billions of transactions to supporting fraud prevention, merchant strategy, and partner performance, they help ensure our network runs smarter, faster, and more secure.

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.

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:

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.

Chicago, IL: $101,100 - $115,400 for Sr. Business Analyst

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

Riverwoods, IL: $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.

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.