Associate, Business Analyst - New Grad 2025

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

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.

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.

A day in the life of a Capital One Business Analyst

As a Business Analyst, you’ll develop and apply analytical rigour, problem solving skills and critical thinking from day one. 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.

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.

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 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.

Basic Qualifications

• Graduating with a Master's or Bachelor's Degree between December 2024 and September 2025 in Commerce, Finance, Marketing, Economics, Business Administration, Engineering, Mathematics, Statistics or a related field

Preferred Qualifications

• 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.

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. We're on a journey to put our customers first, and keep them there, by building modern technology solutions to simplify and humanize the world of credit cards. We have the positive energy of a startup, with the advantages of a big company.