Sr. Business Analyst, Consumer Identity

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.

• Insight Generation: 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).

• Business Case & Prioritization: Drive opportunity sizing via robust impact and valuation assessments. 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. 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. Build targeted insights to inform the design and development of new customer experiences and 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 frameworks, 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 & analytical orientation:
    Proven track record of decision making and problem solving based on analytics. Conceptual thinking skills complemented by strong quantitative orientation.
  • Strong business judgment, leadership and integrity:
    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 ability to drive agreement through intellect, interpersonal and negotiation skills.
  • Clear results orientation:
    Intense focus on achieving both short and long term goals, driving and executing 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.

• At least 2 years of professional experience performing analysis.
• Bachelor's or 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, expected to be obtained on or before the scheduled start date.

• Master’s Degree in Business or a 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 qualified applicant for employment authorization for this position.

Salary ranges (as of posting):
Chicago, IL: $101,100 - $115,400;
McLean, VA: $111,200 - $126,900.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being.

Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws.