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Sr. Business Analyst - Business Card, & Payments

Sr. Business Analyst - Business Card, & Payments

The Business Cards & Payments (BC&P) organization is committed to fueling the courageous entrepreneurial spirit that's at the heart of America's business owners and offer products and services to help them do more business. 

We’ve built an organization that is focused on listening to and learning from the millions of business customers we serve every day to make sure our products, services and experiences work as hard as they do. The name of our organization reflects our current leadership position in Small Business and Commercial Cards - as well as our aspiration to serve a wide range of needs for our customers Beyond the Card.

We are a culture that dreams big and embraces an entrepreneurial and ownership spirit - just like our business customers.

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:

  • Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering)
  • At least 1 year of experience in analysis

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: $109,000 - $124,400 for Sr. Business Analyst


 

Richmond, VA: $99,100 - $113,100 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 committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. 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).

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Average salary estimate

$106100 / YEARLY (est.)
min
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$99100K
$113100K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Sr. Business Analyst - Business Card, & Payments, Capital One

As a Senior Business Analyst at Capital One, located in Richmond, Virginia, you will play a pivotal role in shaping the future of our Business Cards & Payments organization. This position is perfect for those with a strategic mindset who want to leverage their analytical skills to tackle significant challenges head-on. Your work will revolve around understanding the hurdles faced by business owners and crafting innovative solutions to help them thrive. You’ll team up with other passionate professionals to develop tactical strategies that drive success, including product modeling, marketing efforts, and enhancing customer experiences. Your analytical prowess will enable you to dive deep into credit risk, guiding the connection between historical behavior and future trends. Collaboration is key! You will work closely with teams across IT, Sales, and Operations, ensuring that our products not only meet but exceed the expectations of our customers. At Capital One, we value innovation, responsibility, and a proactive approach to problem-solving, all while enjoying the entrepreneurial spirit that drives this organization. If you thrive in a dynamic environment and have a knack for seeing the bigger picture, this Senior Business Analyst position is a fantastic opportunity to grow your career while making a meaningful impact on America’s small business landscape.

Frequently Asked Questions (FAQs) for Sr. Business Analyst - Business Card, & Payments Role at Capital One
What are the responsibilities of a Senior Business Analyst at Capital One?

The Senior Business Analyst at Capital One is responsible for analyzing business challenges, developing product strategies, and supporting marketing efforts. You will perform data modeling to inform new products, analyze credit risk, and collaborate with various teams across the organization to enhance service quality and profitability.

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What qualifications are needed for the Senior Business Analyst position at Capital One?

To qualify for the Senior Business Analyst role at Capital One, candidates should hold a Bachelor's Degree in a quantitative field, with at least one year of analytical experience. Preferred qualifications include a Master's Degree and experience in statistical modeling, market research, and consulting.

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How does Capital One support the professional development of Senior Business Analysts?

Capital One fosters a collaborative environment that encourages continuous learning and innovation. Senior Business Analysts are provided opportunities to take on new responsibilities, work with cross-functional teams, and participate in training programs that enhance their skills and expertise.

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What kind of analytical skills are important for a Senior Business Analyst at Capital One?

A successful Senior Business Analyst at Capital One should have strong quantitative analysis skills, the ability to model and test hypotheses, and excellent problem-solving capabilities. Familiarity with SQL querying and the ability to effectively communicate insights are also crucial for success in this role.

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What is the company culture like at Capital One for Senior Business Analysts?

The company culture at Capital One is dynamic, entrepreneurial, and collaborative. As a Senior Business Analyst, you can expect to work in an environment that values creativity, individual contributions, and teamwork, where your insights are encouraged and treated as critical to the company's success.

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Common Interview Questions for Sr. Business Analyst - Business Card, & Payments
Can you describe your experience with data analysis tools as a Senior Business Analyst?

When discussing your experience with data analysis tools, highlight specific tools you have used, such as SQL, Excel, or statistical software. Discuss how you applied these tools to solve real business problems or make strategic recommendations based on your findings.

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How do you approach problem-solving as a Senior Business Analyst?

To effectively answer this question, illustrate your approach using STAR (Situation, Task, Action, Result) methodology. Provide an example that demonstrates your analytical process, the steps you took to identify the problem, and how your solution impacted the business outcomes positively.

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What methods do you use to ensure accurate data analysis?

Describe your systematic approach to data validation and verification. Explain any specific techniques, such as cross-referencing data sources or utilizing statistical methods to confirm trends, that you use to ensure your analyses are reliable and accurate.

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Can you discuss a successful project you managed as a Senior Business Analyst?

Share an example of a project that highlights your role in driving success. Discuss the objectives, your specific contributions, the challenges you faced, and the measurable outcomes that resulted from your efforts, emphasizing collaboration and impact.

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How do you prioritize tasks when managing multiple projects?

Emphasize your organizational skills and your method for prioritizing based on urgency and importance. Mention tools or techniques you use, like task management systems or Agile methodologies, and provide an example of how prioritization led to successful project completion.

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What do you believe is the most important skill for a Senior Business Analyst?

Discuss the importance of analytical thinking and the ability to interpret data to inform strategies. You can also mention communication skills, as conveying insights effectively to both technical and non-technical stakeholders is crucial in driving business decisions.

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How do you handle feedback and criticism in your role?

Demonstrate your openness to feedback by discussing how you actively seek it to improve your work. Provide an example of a time you received constructive criticism, how you responded, and how you used it to enhance your performance as a Senior Business Analyst.

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Describe how you collaborate with cross-functional teams.

Strengthen your answer by providing examples of successful collaborations with teams like IT or Marketing. Discuss how you manage differing perspectives, facilitate open communication, and work towards common goals to achieve project objectives.

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How do you stay updated with industry trends and analytics advancements?

Mention resources such as industry publications, networking events, webinars, and online courses. Discuss your commitment to continuous learning and how staying informed helps you bring innovative ideas and strategies to your role at Capital One.

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What do you find most rewarding about being a Senior Business Analyst?

Discuss the satisfaction that comes from solving complex problems, helping businesses grow, and the collaborative nature of the role. Share how you enjoy being part of strategic discussions that shape the direction of the organization and make a tangible impact.

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All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran

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April 1, 2025

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