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R118787 Posted 09/14/2021

Sr. Business Analyst - Commercial Credit Risk

New York , New York
  • Category Business Analyst
  • Experience Sr. Associate
  • Primary Address New York, New York

Overview

NYC 299 Park Avenue (22957), United States of America, New York, New York

Sr. Business Analyst - Commercial Credit Risk

The Portfolio Analytics group within Commercial Credit Risk and Analytics is responsible for analyzing credit risk within Capital One’s ~$120 billion portfolio of Commercial loans. The Credit Risk Identification team sits at the intersection between quantitative statistical modeling and qualitative industry research, performing analysis aimed to distill a broad set of information into measurements of the most important credit risks for the exposure in the Commercial Bank.

The Senior Business Analyst will lead the execution and analysis of the Credit Risk Identification process, building out and then executing a robust, scalable and sustainable framework for measuring and socializing key portfolio risks with our partner teams and downstream customers. The analyst will:

  • Help design a framework to assess the likelihood and severity of the top Commercial credit risks, covering technical drivers (e.g. correlation of defaults) and behavioral drivers (e.g. supply/demand shocks for specific products/services) of potential credit loss

  • Synthesize information from a variety of sources, including the outputs of statistical credit models, market/industry data and research reports, and expert credit judgement from senior Commercial Bank and Credit Risk leaders

  • Integrate the outputs of the Risk ID framework into key downstream usages, including high-profile financial planning, loan loss reserve, stress testing, and capital planning calculations

  • Analyze multi-million row datasets and produce data visualizations that effectively communicate results to non-technical audiences

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.

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, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, 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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