Business Analyst

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.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 6 out of 7 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

At OpenSky, we believe that everyone has the right to access credit and achieve their financial goals. We have helped 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.

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 play a pivotal role in developing lending strategies by leveraging data-backed decisioning. You will be part of a collaborative environment that values your input, and you will have the opportunity to develop strategies that have a positive impact on customers and financial performance. Prior experience with credit analytics and consumer lending is a must.

**Position Responsibilities
**

• Perform credit analysis using advanced analytics in SQL and/or Python
• Analyze and optimize lending strategies, including approve/decline policy and credit line assignment
• 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 and/or leverage valuation models to inform credit policy recommendations
• Establish testing and monitoring plans
• Proactively monitor credit risk and performance, identifying whether policy adjustments are needed
• Partner with cross-functional teams to implement strategies

Minimum Education & Experience

• 1-5 years of experience in advanced analytics, including developing credit policies
• Bachelor’s degree in quantitative field (e.g. Statistics, Data Science, Engineering, Economics, Finance, Business)

Technical Knowledge and Skills

• 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 attention to detail
• Highly proficient with analytical tools such as Python and SQL
• Successful track record of thriving in a fast-paced environment
• Proven ability to clearly and effectively communicate complex analytical insights to both technical and non-technical audiences

Compensation

• Base Salary Range: $110,000 - $130,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as geographical location, 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.

Working Arrangements

• This is a 100% remote role
• We’re currently hiring only within our core locations, which include Maryland (MD), District of Columbia (DC), Virginia (VA), Pennsylvania (PA), Delaware (DE), Indiana (IN), Illinois (IL), South Carolina (SC), Florida (FL), and North Carolina (NC).

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 E-Verify, Affirmative Action and Equal Opportunity Employer.