Principal Financial Analyst; Business Cards & Payments

We are seeking an analytic problem solver and detail‑oriented team member to join our Business Cards & Payments Finance Team
. As a Principal Analyst of Financial Planning & Analysis (FP&A), you will be responsible for financial forecasting, executive reporting and presentations, relationship building, and mentoring junior associates. You will manage P&L performance and provide Card Leadership with financial insights to influence strategy and drive business outcomes. Strong storytelling skills and a deep understanding of card economics that drive efficiencies and costs will be key to success in this role.

• Formulate and articulate analytics and insights in a way that tells a compelling financial story
• Proactively identify and address potential financial risks and opportunities
• Foster trusted business relationships, including with senior leaders

• Ownership of budgeting and forecasting for areas of responsibility
• Deliver accurate and meaningful financial management analyses to enable our partners to deliver on their financial and business objectives; contribute to, and deliver, presentations to communicate results, outcomes and actions to senior audiences
• Provide transparency on costs and drivers, and clearly communicate risks and opportunities to budget targets
• Address and deliver on ad‑hoc requests and special projects, including strategic long‑term planning and product roadmaps
• Independently manage and prioritize workload
• Demonstrate a passion to learn and continuously develop traditional FP&A and technical skills

• Bachelor’s Degree or military experience
• At least 3 years experience in financial analysis, financial modeling, or a combination

• Master’s Degree in Business Administration (MBA) or Master’s Degree in Finance
• Chartered Financial Analyst (CFA) license or Certified Public Accountant (CPA) license
• At least 4 years experience in financial analysis, financial modeling, or a combination
• At least 2 years of experience in Microsoft Office, Google Suite, or a combination

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

Minimum and maximum full‑time annual salaries for this role are listed below, by location.

• McLean, VA: $120,800 – $137,900 for Principal Financial Analyst
• Richmond, VA: $109,900 – $125,400 for Principal Financial 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. 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.

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).

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.