Associate, Business Analyst

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

Associate, Business Analyst - New Grad

**The Capital One way.**

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.

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

Embedded within a cross-functional team, you’ll bring your strategies to life from conception and analytical business case building to in-market delivery, measuring their impact through testing and monitoring, and ultimately being accountable for both customer and financial outcomes. You’ll spend time gathering and visualizing data, storytelling through presentations, collaborating with experts in areas like legal and technology, and influencing senior leadership on critical decisions.

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.

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 extended 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 modelling 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.

Be ready to join a community of the smartest people you’ve ever met, who see the customer first, and want to use their data skills to change banking for good.

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

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.

Our business analysts are deployed across all areas of our business - product design, fraud, customer acquisition, marketing, and more - and analysts over time get the opportunity to rotate to different areas of the business to keep things fresh and help them build a well rounded understanding of our business.

**Responsibilities**:

- 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 objectives.
- 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.
- Support step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behaviour, creating risk models, and testing hypotheses using rigorous monitoring and analysis.

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**Basic Qualifications**:

- Obtained or working towards a Bachelor’s or higher degree this year

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**Preferred Qualifications**:
**(Don’t have them all? Don’t worry. We’ll help you develop the right skills for the job)**:

- A degree in Commerce, Finance, Marketing, Economics, Business Administration, Engineering, Mathematics, Computer Science, Statistics or a related field
- Experience in basic coding and/or data visualization (e.g. SQL, Python, Tableau, QuickSight). If you know how to build models or write code, that’s awesome. If not, don’t worry as long as you have an interest in and aptitude for learning it.
- Experience in analytical problem-solving
- Teamwork experience and ability to collaborate with others

**About Capital One Canada**

We've been helping millions of Canadians for over 20 years by providing them with access to credit when others wouldn’t.