Principal Associate, Financial Analysis (Hybrid)We are looking for a customer focused, inquisitive Principal Financial Analyst to join Discover Global Payments Network (GPN) Finance and support the Payments organization. You will support multiple business leaders and influence decisions for the Network’s platforms, capabilities, operations, modernization initiatives, and acceptance strategies, Tech executives and influence business decisions for enterprise payments platforms, while maintaining a sustainable financial trajectory.Financial Analysts prepare financial statement forecasts, assist with the periodic closing of accounting books, and frequently build reports for higher level associates; including trend and forecast variance analysis; provide management and business clients with project statuses; budget comparisons, and analysis on investment drivers and key performance indicators. You will be asked to challenge our current well-managed processes to be more proactive, effective, and efficient, and you will be encouraged to find new ways to tell stories, analyze trends, and diagnose results in a compelling and visual nature.Responsibilities:<ul><li>Develop the Annual Budget, Monthly Financial Forecast and the Long-Term Financial Plan</li><li>Develop financial models and analyses to support growth of the business and strategic initiatives Develop profitability analyses and projections for marketing and customer segments; develop and enhance financial models; improve forecasting accuracy and drive business insights</li><li>Analyze current and past trends in key performance indicators including areas of revenue, expenses and capital expenditures</li><li>Monitor performance indicators, highlighting trends and analyzing causes of unexpected variance</li><li>Analyze complex financial information and reports to support accurate and timely financial recommendations to management for decision making purposes</li><li>Prepare monthly, quarterly and annual Reporting and Analysis</li><li>Identify industry trends and insights pertaining to competitor’s strategies and/or relative financial performance (e.g. peer benchmarking) Analyze customer behaviors and product profitability trends to understand financial behaviors</li><li>Perform ad hoc analysis using data retrievals from internal financial systems and external market databases and package insights into clear and concise presentations </li><li>Provide strategic advice and financial analyses for investment decisions, pricing changes, and channel and segment expansions</li><li>Implement and work with Business Intelligence Tools and Dashboard reports </li></ul>Travel Expectations:The associate will be expected to travel an average of 10-15% of the time. Basic Qualifications: <ul><li>Bachelor’s Degree or military experience </li><li>At least 4 years of experience in financial analysis</li></ul>Preferred Qualifications: <ul><li>Masters Degree in Business Administration (MBA), Accounting, Finance, or Economics</li><li>Chartered Financial Analyst (CFA) license or Certified Public Accountant (CPA) license</li><li>At least 5 years of experience in financial analysis and financial modeling</li><li>At least 3 years of experience using SQL, Python, or a combination</li><li>At least 3 years of experience in financial services, banking or technology industries </li><li>At least 3 years of experience partnering with senior leaders and internal stakeholders</li></ul>At this time, Capital One will not sponsor a new applicant for employment authorization for this position.This role is hybrid meaning associates will spend 3 days per week in-person at one of our offices listed on this job posting. Fridays are enterprise- wide virtual work days. Monday, Tuesday, Wednesday and Thursday are in-person days for associates to spend time together working in our beautifully-designed team areas.The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.Chicago, IL: $106,700 - $121,700 for Principal Financial Analyst  Riverwoods, IL: $106,700 - $121,700 for Principal Financial Analyst                  Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the <a target="_blank" href="https://www.capitalonecareers.com/benefits">Capital One Careers website</a>. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.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 1-800-304-9102 or via email at <a href="mailto:RecruitingAccommodation@capitalone.com" target="_blank">RecruitingAccommodation@capitalone.com</a>. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.For technical support or questions about Capital Ones recruiting process, please send an email to <a href="mailto:Careers@capitalone.com" target="_blank">Careers@capitalone.com</a>Capital 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.Capital One Financial is made up of several different entities. 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. (COPSSC).