Manager, Credit Modeling Strategy & Analytics in Toronto

About Capital One Canada

For 30 years, we have been on a mission to change banking for good. We challenge the traditional bank stereotype, fostering a culture where innovation thrives and bold ideas are celebrated. We pair data-driven strategy with the autonomy to take ownership of complex, high-impact challenges. You’ll be encouraged to own your work from end-to-end and challenge the status quo to build solutions that impact the lives of millions of Canadians, because at Capital One we analyze and innovate. You’ll be empowered to grow and develop in an environment that balances high-performance standards with a genuine investment in your long-term success. If you’re ready to redefine what’s possible and drive exponential growth, this is where you can create what’s next.

About the Team

The Underwriting & Valuations team consists of Strategy Analysts and Data Scientists who come together to build our models and policies which lead to our underwriting outcomes. This team collaborates with our best in class Credit Risk Management group to create robust analysis and implement credit based strategies.

About the Role

In this role, you will be the lead analyst responsible for determining the optimal underwriting strategy for your area of the business. You will perform complex analysis using model outputs and latest insights to determine and propose the winning strategy. You will present your recommendation and gain buy-in from leadership. You will function as the lead analyst among a group of analysts, responsible for the teams’ most complex problems and guiding junior analysts across the team.

From a technical perspective, you will leverage various coding and visualization tools. You’ll work with SQL to query data, use spreadsheets and Python-based notebooks to organize it, and Slides to present it, along with other modern analytics tools, such as Tableau and Quicksight. You will apply your strategic and analytical skills to major company challenges. You will develop and test strategies that ultimately impact the bottom line. And you'll do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation. This role will evolve into a people leadership role, and you will join the Capital One Leads program, which focuses on developing people leadership skills to lead high-performing teams.

Your Responsibilities:

• You will be the lead analyst in one of the areas of underwriting and valuations, such as new applications or credit limit increases. You will have oversight of the most complex pieces of analysis in the area, including completing the analysis yourself and guiding the junior analysts on the team.
• You will lead and develop a high-performing team of analysts, providing coaching and removing barriers to grow the next generation of our leaders.
• You will create and present the recommendations to senior leadership and gain buy-in to proceed with strategies, which you will then implement, monitor and continue to improve as you see your strategy evolve.
• As the lead of your area, you will determine the strategic roadmap of the team and collaborate across the underwriting and valuations team to lead the change.
• You will use technical analytical skills (such as SQL and Python) to complete the analysis.

Basic Qualifications:

• At least 5 years of experience in business analysis, with an established history of leveraging analytical skills to effectively influence strategic decisions.
• At least 1 year of experience in managing high impact projects.
• Experience in technical analysis and coding, including presenting analytical information through slides and memos.

Preferred Qualifications:

• Bachelor’s Degree or higher in a quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering).
• At least 1 year of experience in people management.
• 5+ years in credit, underwriting, and/or valuations with a basic understanding of credit card or other loan based underwriting.
• Proficient in SQL, data visualization tools (e.g., Tableau, Quicksight), and Python for analysis and automation.
• 2+ years experience in the consumer financial services industry.

Working at Capital One

You’ll be empowered to take end-to-end ownership of your work and your career, backed by a high-performance, hybrid culture and holistic suite of benefits designed to support your whole self. Take ownership of your own potential: Whether you’re looking to upskill, pivot into new business areas, or master your craft, you’ll have access to tools and mentorship to reach your potential and define your career trajectory. Find your rhythm: We believe trust fosters the flexibility and autonomy required to balance personal needs with a focus on high performance. We support a hybrid model - with 3 days in the office per week - that gives room for both collaboration and personal commitments. Benefits built for your life: We take a holistic approach to well-being, providing support for you and those who are most important to you. This includes: full coverage for spouses, domestic partners and dependents, a one-time Work From Home allowance to build your comfortable workspace, up to $3,000 in mental health coverage and up to $5,000 in annual tuition subsidies. You’ll find that Capital One is committed to helping you thrive and evolve every step of the way.

This posting is for an existing vacancy. The expected annual salary range for this position is $157,400 - $179,600. This role is also eligible to earn performance-based incentive compensation, which may include cash bonus(es). Incentives could be discretionary or non-discretionary depending on the plan.

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.