Sr. Business Analyst, Spend Experiences

Capital One; McLean (VA); On-site; USD 111,000 - 127,000; Full time

Job summary

Capital One seeks a Senior Business Analyst in the Spend Experiences area. The role focuses on applying strategic and analytical methods to major company challenges, partnering with IT, Sales, Operations and Finance to drive profitability and customer impact.

The candidate should demonstrate strong communication, problem-solving, and hypothesis-testing skills, with experience in analytics, market research, and consulting. A competitive salary is offered based on location and experience.

Qualifications

• Bachelor’s or higher in a quantitative field (Business, Finance, Economics, Analytics, CS, Engineering).
• 1+ years of experience in statistical model building and market research.
• 2+ years in business analysis and 1+ years in consulting preferred.

Responsibilities

• Identify business challenges and opportunities and recommend solutions using analysis.
• Support product and pricing strategies for lending products with modeling/analytics.
• Assist DTC marketing efforts and inform new customer experiences and go-to-market strategies.
• Support credit risk improvements by modeling drivers of future trends and testing hypotheses.
• Collaborate with IT, Sales, Operations, Finance to drive quality, volume and profitability.

Skills

SQL querying

Market research

Business analysis

Statistical modeling

Consulting experience

Communication skills

Education

Bachelor’s degree in a quantitative field

Master’s degree in a quantitative field or MBA with quantitative concentration

Tools

SQL

Job description

Sr. Business Analyst, Spend Experiences Summary:

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.

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.

At Capital One, we’re building a leading information‑based technology company. Still founder‑led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit.