AVP, Senior Business Analyst - Acquisitions

About Us Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

At OpenSky, we believe that everyone has the right to access credit and achieve their financial goals. We have helped over 1.2 million customers get started and continue their path to realizing their financial goals. And we want to help and grow with our customers even more - by expanding our offerings to support them in their credit journey, and providing compelling products and digital solutions for education, advice, and financial services.

OpenSky is a high-growth, data-driven, dynamic, and entrepreneurial environment where you are limited only by your imagination. You'll work with some of the brightest and most passionate minds in the FinTech industry, and from day one, start having a real impact on consumers' lives and financial goals.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose
As a Senior Business Analyst within OpenSky, you will have the opportunity to leverage advanced analytics and strategic thinking to solve challenging business problems. We are looking for a results-focused individual with exceptional analytical skills and business judgment and experience with SQL and Python. You will be part of a growing team that has an opportunity to grow a new business line. You will play a pivotal role in developing the acquisitions stage credit policy for a new unsecured credit card product. You will be part of a collaborative environment that values your input, and you will have the opportunity to develop and test strategies that impact the bottom line. Prior experience with credit analytics and consumer lending is a plus.

Position Responsibilities

• Perform credit analysis using advanced analytics in SQL and/or Python
• Analyze and optimize customer acquisitions strategies, including approve/decline policy, credit line assignment, and acquisitions channels
• Develop recommendations on credit strategies based on performance analysis, resiliency testing, and business judgment
• Present data-backed recommendations to leadership based on your analysis
• Build valuations model to inform credit policy recommendations
• Establish testing and monitoring plans
• Lead the creation of dashboards to proactively monitor credit risk and policy performance, identifying whether policy adjustments are needed

Education and Experience

• Bachelor's degree in Quantitative field (e.g. Statistics, Data Science, Engineering, Economics, Finance, Business)
• 3-7+ years of experience in advanced analytics, including developing credit policies in unsecured lending
• Experience building valuations models (preferred)

Technical Knowledge and Skills

• Highly proficient with analytical tools such as Python and SQL
• Exceptional results-focus and relentless persistence in solving problems
• A proven track record of decision making and problem solving based on analytics
• Exceptional critical thinking skills with extreme attention to detail
• Successful track record of thriving in a fast-paced environment
• Capability to prioritize and manage multiple tasks simultaneously without sacrificing quality
• Strong verbal and written communication skills: ability to clearly and effectively communicate complex analytical insights to both technical and non-technical audiences
  
  

Working Arrangements

• This is a hybrid role expected to work in office Monday, Tuesday, Thursday, and Friday. You will be able to work remotely on Wednesday.
  
  

Compensation

• Base Salary Range: $125,000 - $160,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, and ability to meet qualifications within the job description.
• Additional Compensation: This role will include a yearly annual target bonus based on individual performance.
  

Why Join Us?

• Join a growing company with a culture that fosters an entrepreneurial spirit
• Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more!
• Company Contributions to your 401k - Regardless of your contribution
• Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
• Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities

Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.