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Sr. Business Analyst, Consumer Identity

The Consumer Identity team is looking for a Senior Business Analyst to join our Strategy and Analytics team. Our mission is to protect our customers' identities from fraud and to keep customer-centric analysis at the center of how Capital One operates.

In this role, you will apply your strategic and analytical skills to drive the insights and data-driven policies we leverage to optimize fraud prevention. You will partner closely with Product Managers, Engineering, Design, and fraud teams to deliver on one of the most critical dimensions of how Capital One defends the company and its customers against fraud.

As a Senior Business Analyst, you will leverage a deep understanding of verification tools, authentication datasets, and valuation frameworks to assess opportunities, design policies, and own credit governance. Your work will span three primary areas:

• Insight Generation: Create and utilize standardized monitoring and deep-dive analytics to identify high-leverage opportunities. You will pinpoint areas to reduce fraud losses and improve customer experiences, while exploring ways to leverage customer-level data (e.g., cross-LOB behavioral data).

• Business Case & Prioritization: Drive opportunity sizing via robust impact and valuation assessments. Your analysis will determine the data-driven value of potential initiatives, helping inform strategic resource allocation and roadmap prioritization.

• Policy Development & Governance: Design and implement credit policies informed by data that balance complexity with value delivered. You will maintain ownership of credit decisions and ongoing governance, including rigorous credit and model monitoring.

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.

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

McLean, VA: $111,200 - $126,900 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 theCapital 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.

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 RecruitingAccommodation@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).