161 Bay Street (93021), Canada, Toronto,Toronto, Ontario,Manager, Credit Modeling Strategy & Analytics For 30 years, we've 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 will be empowered to grow and develop in an environment that balances high-performance standards with a genuine investment in your long-term success. 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.

You will perform complex analysis using model outputs and latest insights to determine and propose the winning strategy. 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 develop and test strategies that ultimately impact the bottom line. 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. You will use technical analytical skills (such as SQL and Python) to complete the analysis.

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 Bachelor’s Degree or higher in a quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering) ~ 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 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 advantages designed to support your whole self.



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.

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 role is also eligible to earn performance-based incentive compensation, which may include cash bonus(es).

Weembrace the responsible use of artificial intelligence (AI) to enhance the candidate experience and streamline our recruitment processes. Our teams are equipped with training that empowers them to use AI responsibly. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-(phone hidden) or via email at [email protected] technical support or questions about Capital One's recruiting process, please send an email to [email protected] One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (

📌 Manager, Credit Modeling Strategy & Analytics (Toronto)
🏢 Capitalone
📍 Toronto