Senior Data Analyst - Credit Risk Modeling

🏢 ABOUT THE COMPANY

Capital One is a leading bank holding company in the United States, founded in 1988. Our mission is to change banking for better. With over $470 billion in assets, we aim to provide innovative financial solutions to our customers, fostering a culture of inclusion, diversity, and collaboration. Our achievements include being recognized as one of the World's Best Banks by Euromoney and a leader in the Gartner Magic Quadrant for Digital Banking. Capital One is a great place to work because of our commitment to our core values: customer obsession, diversity, equity, and inclusion, and innovation.\n\nROLE OVERVIEW

The Senior Data Analyst - Credit Risk Modeling will work closely with our credit risk management team to analyze and develop models to assess credit risk for various loan products. This role is responsible for collaborating with data scientists and business stakeholders to identify trends and opportunities, and to develop and implement data-driven solutions to improve credit risk outcomes. The successful candidate will report to the Credit Risk Modeling Manager and will contribute to the development of our risk management strategy. This role will have a significant impact on our ability to effectively manage risk and make informed lending decisions.\n\nKEY RESPONSIBILITIES

Develop and maintain credit risk models using machine learning and statistical techniques, and ensure their accuracy and robustness. Collaborate with data scientists to develop and implement data-driven solutions to improve credit risk outcomes. Work with business stakeholders to identify trends and opportunities, and to develop and implement strategies to address emerging risks. Analyze and interpret complex data sets to identify patterns and trends, and to develop insights that inform business decisions. Develop and maintain data visualizations and reports to communicate findings and recommendations to stakeholders. Ensure compliance with regulatory requirements and internal policies related to credit risk management. Develop and maintain relationships with data vendors and other external partners to ensure access to high-quality data.\n\nREQUIRED QUALIFICATIONS

3+ years of experience in data analysis, credit risk modeling, or a related field. Bachelor's degree in mathematics, statistics, computer science, or a related field. Strong expertise in machine learning and statistical programming languages, such as Python or R. Experience with data visualization tools, such as Tableau or Power BI. Familiarity with credit risk modeling techniques, such as logistic regression or decision trees. Experience working with large data sets and databases, such as SQL. Strong analytical and problem-solving skills, with the ability to work independently and collaboratively as part of a team.\n\nPREFERRED QUALIFICATIONS

Master's degree in a quantitative field, such as mathematics or statistics. Experience with cloud-based data platforms, such as AWS or Azure. Certification in data science or risk management, such as Certified Data Scientist or Certified Risk Manager. Experience working with agile methodologies and version control systems, such as Git. Familiarity with data governance and data quality frameworks.\n\nWHAT WE OFFER

Competitive salary range: 500,000 - 800,000 MXN per year. Comprehensive health insurance, including medical, dental, and vision coverage. Retirement plan with employer match. 20 days of paid vacation per year, plus additional holidays. Professional development budget to support continuing education and training. Flexible remote work policy, with the option to work from home or in our office. Collaborative and inclusive team culture, with opportunities for growth and advancement.\n\nABOUT THE TEAM

The credit risk modeling team is a dynamic and collaborative group of data analysts, data scientists, and risk management professionals. We work closely with business stakeholders to develop and implement data-driven solutions to improve credit risk outcomes. Our team is committed to delivering high-quality results, and we strive to maintain a culture of excellence, innovation, and inclusion. Recent wins include the development of a new credit risk model that improved lending decisions by 25%, and the implementation of a data-driven strategy to reduce credit risk by 30%.\n\nHOW TO APPLY

To apply for this role, please submit your resume and a cover letter outlining your relevant experience and qualifications. We expect to respond to all applicants within 2 weeks of receipt of their application.

📋 Job Details

📨 How to Apply

Submit your updated CV and a brief cover letter to Capital One. Applications are reviewed on a rolling basis. Only shortlisted candidates will be contacted within 2 weeks of applying.