Sr. Business Analyst, Consumer Identity

About the role

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.

Responsibilities

• Create and utilize standardized monitoring and deep-dive analytics to identify high-leverage opportunities.
• Pinpoint areas to reduce fraud losses and improve customer experiences, while exploring ways to leverage customer-level data (e.g., cross-LOB behavioral data).
• 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.
• 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.
• 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.
• Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability.
• 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.
• He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business.
• Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills.
• A 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.
• A successful track record of thriving in a fast-paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus.

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:
  • A 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