Associate, Business Analyst

161 Bay Street (93021), Canada, Toronto,Toronto, Ontario,

Associate, Business Analyst - New Grad 2025

**Associate, Business Analyst - New Grad 2025**

**Our Capital One Strategic Analytics Team**

Yes, we’re a credit card company. But we’re more than that too. We’re driven by what our customers want, and how to make their lives simpler.

We’re always looking for creative ways to offer digital solutions that make sense for our customers. With your help, we’ll build the next generation of banking in Canada based on customer-focused values, compelling products and great engineering.

**Working with us**
How do we do things at Capital One Canada? We listen — to our people, and to our customers. We change with the times and have adopted a flexible hybrid model (remote and/or in-office). Associates working in the hybrid model are expected to come into the office 3 days a week across Tuesdays and Thursdays, reserving Mondays and Fridays as company-wide virtual days. As was true before the pandemic, expectations of being in the office will be balanced with personal life flexibility.

At Capital One we’re committed to diversity, inclusion and belonging. We strive to build a culture where diverse perspectives are valued, innovative ideas are encouraged and inclusive behaviours are embedded in everything we do to positively impact associates. Strive to build a culture where diverse perspectives are valued, innovative ideas are encouraged and to help challenge the status quo and create the best outcomes for everyone.

We’re focused on helping associates live well—physically, financially and emotionally. When you join us, we support you and those who are most important to you, offering full coverage for spouses, domestic partners, and dependents. We’ve designed our benefits program to be flexible, comprehensive and consistent across our organization. From health and fitness center discounts, to training and professional development programs—and much more—you’ll discover that Capital One is committed to helping you live your best life.

Capital One Canada is an equal opportunity employer committed to fostering a diverse and inclusive work environment. We consider all qualified applicants and will meet the needs of those requiring reasonable accommodations.

**A day in the life of a Capital One Business Analyst**

You’ll work with tools like SQL to query data, use spreadsheets and Python-based notebooks to organize it, and slides to present it, along with a number of other modern analytics tools. Working in an agile, cross-functional team you’ll also have the opportunity to learn from other job families like data scientists, process managers, and product owners.

Our business analysts are deployed across all areas of our business - product design, fraud, customer acquisitions, customer management strategy, and more - and analysts over time get the opportunity to rotate to different areas of the business to help them build a well rounded understanding of our business. Here are a few of the ways our Business Analysts are helping people take control of their credit:

- Underwriting (Credit Policy & Valuations): Business Analysts are responsible for assisting in developing & maintaining statistical models and the associated credit policies that help us determine who we extend credit to. Analysts in the space perform analysis on credit performance to help influence how we update and optimize our models & policies.
- Fraud: Business Analysts are responsible for developing the defences and policies to mitigate fraud losses for Capital One, creating a safe and secure experience for our customers. Analysts in the space perform diligent monitoring to understand emerging fraud trends and propose actions to prevent fraudulent behaviour.
- Product Development: Business Analysts are responsible for developing the strategies to test and scale new financial product offerings. Analysts conduct market & customer research, and couple these insights with internal data modeling to propose new solutions for our customers. Analysts in this space work with process and technology experts to get new products in the hands of our customers, and iterate upon our offerings based on consumer reception.

As a new Business Analyst, you’ll join the Canada Analyst Development Program (CADP), which takes place over your first year with us and involves hands-on training, a case competition, social and networking events, and more.

Want to learn more? Check out life at Capital One as a Business Analyst

**Responsibilities**

You will get to work with a team of fellow business analysts, along with associates in other job families such as Data Scientists and Product Managers, working to execute on and accomplish the following:

- Perform modeling/analytics to assist new product and pricing strategies for various lending products.
- Develop direct-to-consumer marketing strategy and initiatives to support business growth objecti