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Business Manager Commercial Credit Risk & Analytics
Jobs via eFinancialCareers, Richmond, Virginia, United States, 23214
Business Manager Commercial Credit Risk & Analytics
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17 hours ago Be among the first 25 applicants.
Summary
As a Business Analysis Manager at Capital One, you will apply your strategic and analytical skills to major company challenges. You'll team with world‑class professionals to develop and test strategies that ultimately impact the bottom line. This role is set in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.
The Application & Analytics Risk Rating team acts as the liaison between Senior Credit Officers, the Line of Business and the Risk Rating Modeling team to ensure our internally developed Probability of Default (PD) & Loss Given Default (LGD) models are thoroughly developed, understood and properly used. These rating models are the foundation of the bank’s credit risk management, pricing, and feed several reports and downstream applications. This Business Manager role will allow the successful candidate to sit at the crossroads between high‑level quantitative model development, risk‑management analytics and business strategy.
General Responsibilities
Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory demands.
Leadership: May manage and develop 1‑2 analysts. Coaching and mentoring associates with a goal of developing and retaining talent at Capital One.
Product: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics.
Marketing: Lead direct‑to‑consumer marketing efforts for select products, and strategic intent for products distributed through the retail channel. Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go‑to‑market strategies.
Credit Risk: Drive step‑change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis.
Execution: Manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently.
Partnership: Work closely with colleagues across Capital One including IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability.
Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management.
Strong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business.
Solid people leadership experience: Ability to build and leverage the capabilities of a high‑performing team, as well as business partners across the enterprise. He/she should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results.
Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills.
Clear results orientation: Display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment.
Successful track record of thriving in a fast‑paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus.
Basic Qualifications
Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering).
At least 2 years of experience in analysis.
Preferred Qualifications
Master’s Degree in Business or a quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering.
5+ years of experience in analysis.
2+ years of experience in financial services.
1+ year of experience in consulting.
2+ years of experience in people management.
Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
Salary and Compensation
McLean, VA: $158,400 - $180,800 for Business Manager.
Richmond, VA: $144,000 - $164,400 for Business Manager.
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. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level.
Employer Statement
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 [ email omitted for privacy ]. 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 One’s recruiting process, please send an email to [ email omitted for privacy ].
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).
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Finance and Sales
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17 hours ago Be among the first 25 applicants.
Summary
As a Business Analysis Manager at Capital One, you will apply your strategic and analytical skills to major company challenges. You'll team with world‑class professionals to develop and test strategies that ultimately impact the bottom line. This role is set in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.
The Application & Analytics Risk Rating team acts as the liaison between Senior Credit Officers, the Line of Business and the Risk Rating Modeling team to ensure our internally developed Probability of Default (PD) & Loss Given Default (LGD) models are thoroughly developed, understood and properly used. These rating models are the foundation of the bank’s credit risk management, pricing, and feed several reports and downstream applications. This Business Manager role will allow the successful candidate to sit at the crossroads between high‑level quantitative model development, risk‑management analytics and business strategy.
General Responsibilities
Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory demands.
Leadership: May manage and develop 1‑2 analysts. Coaching and mentoring associates with a goal of developing and retaining talent at Capital One.
Product: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics.
Marketing: Lead direct‑to‑consumer marketing efforts for select products, and strategic intent for products distributed through the retail channel. Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go‑to‑market strategies.
Credit Risk: Drive step‑change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis.
Execution: Manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently.
Partnership: Work closely with colleagues across Capital One including IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability.
Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management.
Strong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business.
Solid people leadership experience: Ability to build and leverage the capabilities of a high‑performing team, as well as business partners across the enterprise. He/she should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results.
Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills.
Clear results orientation: Display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment.
Successful track record of thriving in a fast‑paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus.
Basic Qualifications
Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering).
At least 2 years of experience in analysis.
Preferred Qualifications
Master’s Degree in Business or a quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering.
5+ years of experience in analysis.
2+ years of experience in financial services.
1+ year of experience in consulting.
2+ years of experience in people management.
Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
Salary and Compensation
McLean, VA: $158,400 - $180,800 for Business Manager.
Richmond, VA: $144,000 - $164,400 for Business Manager.
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. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level.
Employer Statement
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 [ email omitted for privacy ]. 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 One’s recruiting process, please send an email to [ email omitted for privacy ].
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).
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Finance and Sales
#J-18808-Ljbffr