Sr. Business Analyst - Global Payment Network

Capital One; New York (NY); On-site; USD 121,000 - 138,000; Full time

Benefits offered by this job

Health benefits

Inclusive benefits

Job summary

Capital One in New York, NY is seeking a Senior Business Analyst to apply strategic and analytical skills to major company challenges. You will team with IT, Sales, Operations and Finance to develop and test strategies that impact the bottom line in a collaborative, fast-paced environment.

You will perform modeling and analytics for lending products, support marketing efforts, and build risk models while guiding execution from problem framing to implementation.

Qualifications

• Bachelor’s or Master’s degree in a quantitative field such as Finance, Economics, or Computer Science.
• At least 2 years of professional experience performing analysis.
• Experience with SQL querying and data-driven decision making.

Responsibilities

• Identify business challenges and propose analytics-driven solutions.
• Model and analyze lending products to inform pricing strategies.
• Support marketing efforts with targeted insights for go-to-market strategies.
• Develop risk models and test hypotheses using data.
• Collaborate across IT, Sales, Operations and Finance to drive improvements.

Skills

Analysis

SQL querying

Market research

Business analysis

Consulting

Education

Bachelor's Degree in a quantitative field

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

Job description

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:
  • 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.

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. 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.

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).