Erfa Mahmood
Business Analyst @Capital One
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WORK HISTORY
Business Analyst @Capital One
Toronto, ON, CA
Managing the company’s Unsecuring strategy where customers booked on a secured card have their deposits returned to them after they show consistent, positive credit behaviourManaged the company’s Multicard strategy aimed at growing with our most successful customers by pre-approving them for Prime cards Uncovered a customer data storage bug that initiated a global Capital One internal audit, ensuring that the bank’s KYC requirements remained met during a database transition – failure to identify the faulty transfer process could have led to class action suits against the corporationFormalized monitoring and benchmarking of broad strategic initiatives designed to build longlasting relationships with our digitally engaged customersConducted discovery and testing on initiatives designed to strengthen engagement and brand loyalty with our products
EDUCATION
International School of Choueifat Sharjah
High School Diploma
University of Toronto Mississauga
Bachelor of Commerce - BCom, Finance & Economics
ABOUT ERFA MAHMOOD
I\'m a results-driven analyst skilled at transforming complex data into strategic, actionable insights. At Capital One Financial, I led initiatives such as the Unsecuring strategy, closing policy gaps that prevented over $100K in annual losses, and the Multicard strategy, rewarding strong credit behavior. My expertise in SQL, Python, and risk management has empowered me to build monitoring systems that predict economic trends, ensure regulatory compliance, and drive sustainable growth.My background in investment research at Lionfield Capital and Gluskin Sheff enriched my understanding of financial markets and credit risk, further sharpening my analytical edge. I thrive on turning challenges into opportunities, always focused on cutting through the noise to identify the rising stars. Let\'s connect and explore how we can drive financial excellence together.
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