Credit Risk Associate Jobs in Toronto, ON (NOW HIRING)

For 30 years, we’ve been on a mission to change banking for good and build relationships by making credit accessible, simple, intuitive and rewarding. We want to help Canadians succeed with credit, because we believe in people — in our customers, in our associates and in talent like you!

Data is at the centre of everything we do at Capital One. Your role as a Data Analyst on the team will heavily leverage your deep expertise in SQL. You will be a creative data wrangler, comfortable with extracting, transforming and analyzing large, complex datasets to uncover new narratives. This requires more than just the ability to write complex, performant queries; you must also possess a thorough understanding of database structures, query optimization techniques and best practices for data governance. Ultimately, you will be a proactive collaborator, skilled at articulating complex ideas through data visualization tools like QuickSight, Tableau or Matplotlib and eagerly sharing your knowledge across diverse teams.
 

In this role, you will serve as a vital partner to the business, influencing strategy and execution across key areas like fraud prevention, credit risk or marketing. This role requires a blend of advanced technical analysis skills and strong business acumen to tackle complex challenges and deliver groundbreaking solutions. You will be responsible for translating technical insights into clear, concise and actionable strategic recommendations. Success in this position involves working effectively with both technical and non-technical stakeholders to implement strategies and innovative solutions that enhance performance, mitigate risk and drive profitable growth.

• Strategic Stakeholder Partnership & Business Recommendations:

  Engage directly with senior stakeholders (e.g., line-of-business leads, product owners, risk management) to deeply understand business goals, challenges and decision needs. Partner with them to prioritize initiatives and refine strategies. Drive business strategy by proactively identifying, quantifying risks and translating complex analysis into compelling, concise recommendations that guide critical roadmap and decision-making processes.

• Actionable Insight and Executive Storytelling:

  Draw clear business conclusions and present comprehensive insights that explain "what happened," "why it happened," "what it means" and "what we recommend doing next" (including risk mitigation or growth levers). Design and deploy rich data visualizations and craft crisp, executive-ready narratives and dashboards to empower senior leadership to make high-stakes decisions efficiently.

• End-to-End Data Analysis and Execution:

  Lead the full data analysis lifecycle, translating complex business problems into defined specifications and final implemented solutions.

• Data Preparation & Transformation:

  Apply expert-level SQL skills to efficiently transform raw data into    clean, accessible datasets for yourself and other analysts.

• Governance, Reporting and Automation:

  Build, automate and maintain critical business reporting and controls for processes and proactively identify and deliver process improvements for efficiency.

Basic Qualifications:

• At least 2 years of professional experience with SQL (e.g., Snowflake, MySQL, SQL Server, PostgreSQL, Microsoft SQL Server, Oracle, etc.).

• Proficient in SQL for data extraction, wrangling and advanced analytics including Joins, Window Functions, CTEs, Aggregations and performance trending across large enterprise data environments.

Preferred Qualifications:

• Bachelor's or Master's Degree in a quantitative field such as Data Analytics, Data Science, Computer Science, Engineering, Mathematics, Statistics, Economics, Finance or a related discipline.

• At least 1 year of professional experience using dbt (data build tool) for data transformation, modeling and maintaining a production-ready data warehouse.

• At least 1 year of experience applying strong analytical and mathematical skills to solve complex business problems.

• Effective stakeholder management experience with strong skills in communication, negotiation, strategic thinking, influence and technical abilities is highly desirable.

• Proficient in data analysis within a cloud environment, including experience with open-source programming (e.g., Python), advanced SQL for large datasets (e.g. Snowflake), version control (e.g. Git/GitHub) and cloud services (e.g. AWS).

• Experience with Linux or equivalent is preferred.

Enjoy a hybrid work environment, with 3 days in the office. Build a comfortable workspace with our one-time, Work From Home allowance and enjoy our head office located conveniently across the street from Union Station.

Live well—physically, financially and emotionally. Receive support for you and those who are most important to you, with full coverage for spouses, domestic partners, and dependents. With up to $3000 in mental health coverage and up to $5000 in tuition subsidies per year—and much more—you’ll discover that Capital One is committed to helping you live your best life.

This posting is for an existing vacancy.

The expected annual salary range for this position is $94,800 - $108,200. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es). Incentives could be discretionary or non discretionary depending on the plan.

We embrace the responsible use of artificial intelligence (AI) to enhance the candidate experience and streamline our recruitment processes. However, no hiring decisions are made using AI as every hiring decision is made by our hiring managers, business interviewers, and recruitment professionals. Our teams are equipped with training that empowers them to use AI responsibly.
 

We may use your information for automated decision making. We may, for certain purposes, render a decision based exclusively on automated processing of your personal information as a part of the candidate screening process.

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 ARCanada@capitalone.com. 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 Careers@capitalone.com

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

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).