Principal Financial Analyst

Overview

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In this role, you will serve as the work lead for Retail Marketing & Product Strategy (MAPS) and Retail Bank Product (RBP) OPEX, supporting Retail's growth strategy. This is a high-visibility position responsible for the overall financial management, analysis, and reporting of MAPS and RBP expenses. You will ensure strong partnership with business stakeholders, drive adherence to financial goals, and provide direct leadership within the finance team for this critical area.

The ideal candidate will possess strong analytical skills, sound judgment, and a proactive ownership mindset.

• Financial Management & Analysis:
  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, Bill Pay, Cashload, letter automation initiatives).
• Understand and track the financial impact of Retail volume changes on money movement-related expenses (e.g., Zelle, Bill Pay).
• 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, managing the work within the MAPS/RBP space and providing coaching and guidance to ensure quality and strategic alignment.
• Prepare and lead the monthly financial reviews (MFRs) with business partners (LT and team).
• Tailor written and verbal communication depending on the audience, providing high-level narratives for the finance team (VP+ level).
• Maintain 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 with Tech Finance to understand product gearing needs.
• Act as a team player, leveraging internal team members to understand total business expense impacts.

• Analytical & Results Focus:
  Ability to analyze complex data, prioritize requests, and deliver error-free outputs and data.
• Communication:
  Strong verbal and written communication skills; ability to tailor the message to various audiences.
• Partnership & Teamwork:
  Proven ability to collaborate effectively with cross-functional teams (Finance, Business, Tech) and build solid relationships.
• Judgment & Ownership:
  High degree of independence, ownership of tasks, and ability to provide an independent POV on budget decisions.
• Job Specific
  
  Skills:
  
  Aptitude for learning Retail Marketing and Product goals, and proficiency/willingness to learn platforms like Snowflake, XSTREAM, Finsight, Coupa, Beeline, and Tableau.

This role offers an excellent foundation for career progression by providing the opportunity to step into a work leadership capacity and gain experience transferable to other FP&A roles. While focusing on OPEX, you will gain exposure to the whole P&L dynamics through team meetings and develop a deep understanding of Retail's growth strategy and key products.

Basic Qualifications:

• Bachelor’s Degree or military experience
• At least 4 years of experience in financial analysis

Preferred Qualifications:

• Master’s Degree in Business Administration (MBA) or Master’s Degree in Finance
• Chartered Financial Analyst (CFA) license or Certified Public Accountant (CPA) license
• 5+ years experience in financial analysis
• 4+ years experience with financial modeling
• Proficiency in Google Suite

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

This role is expected to accept applications for a minimum of 5 business days. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination. Capital One promotes a drug-free workplace. This site may include notices about eligibility, background inquiries, and accommodations as needed. If you require an accommodation, please contact Capital One Recruiting at or Recruitin

McLean, VA: $117,300 - $133,900 for Principal Financial Analyst

Richmond, VA: $106,700 - $121,700 for Principal Financial Analyst

Note:

Salary ranges are location-based and may be adjusted in the offer letter. This role may be eligible for performance-based incentives.