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Capital One · 1 hour ago

Principal Financial Analyst

Richmond, VA

Full-time

Onsite

Senior Level, Lead/Staff

$117K/yr - $134K/yr

4+ years exp

Capital One is a leading financial services company, and they are seeking a Principal Financial Analyst to support Retail's growth strategy. This role involves financial management, analysis, and reporting of Retail Marketing & Product Strategy and Retail Bank Product expenses, with a focus on partnership with business stakeholders and leadership within the finance team.

BankingCredit CardsFinanceFinancial Services

Comp. & Benefits

No H1B

Responsibilities

Analyze and report on MAPS & RBP expenses, including monthly actuals performance versus forecast

Manage budget risks and opportunities, providing insights and recommendations to business partners and Retail Finance

Lead and manage the monthly outlook process, including loading updates into XSTREAM

Execute in-depth, project-based work: Analyze costs and their underlying drivers (e.g., tech/product gearing, BillPay, Cashload, letter automation initiatives)

Understand and track the financial impact of Retail volume changes (e.g., new checking accounts, transactions) on money movement-related expenses (e.g., Zelle, BillPay)

Develop an intuition for generating true 50/50 expense forecasts based on analysis of hiring/attrition trends, vendor performance, and overall business growth

Serve as the primary finance partner for MAPS & RBP business teams, acting as the subject matter expert and finance lead for this portfolio

Work closely with other analysts in the team, taking the lead in managing the work within the MAPS/RBP space and providing coaching and guidance to ensure consistent quality and strategic alignment

Prepare and lead the monthly financial reviews (MFR’s) with business partners (LT and team)

Tailor written and verbal communication depending on the audience, simplifying financial terms for the business and providing high-level narratives for the finance team (VP+ level communication required)

Constant communication with MAPS/RBP business partners to understand headcount needs, volume growth, and business strategy

Attend business meetings to integrate strategy and tactical knowledge into financial planning and budget decisions

Collaborate closely with Tech Finance to understand product gearing needs

Act as a team player, leveraging internal team members to understand total business expense impacts

Qualification

Financial AnalysisBudget ManagementFinancial ReportingFinancial ModelingSnowflakeXSTREAMTableauPartnership & TeamworkJudgment & OwnershipCommunication

Required

Bachelor's Degree or military experience

At least 4 years of experience in financial analysis

Ability to analyze complex data, prioritize asks, and deliver error-free outputs/data

Strong verbal and written communication skills; ability to tailor the message to various audiences

Proven ability to collaborate effectively with cross-functional teams (Finance, Business, Tech) and build solid relationships

High degree of independence, ownership of tasks (e.g., outlooks), and the ability to incorporate business knowledge to provide an independent Point of View (POV) on budget decisions and work direction

Aptitude for learning Retail Marketing and Product goals, and proficiency/willingness to learn platforms like Snowflake, XSTREAM, Finsight, Coupa, Beeline, and Tableau