Business Manager- Collections Credit Infrastructure

Capital One • McLean, VA

1d • $164,800 - $205,100

About The Position

Customer Resiliency is re-imagining its decisioning infrastructure and developing modeling, data, and testing strategies to power decision-making in Collections. The Business Manager collaborates with Business, Data Science, ML Tech, and Product partners to build and integrate solutions that strengthen Capital One’s credit infrastructure. This includes partnering with Data Science to develop models that enable personalized customer treatment at the right time, designing foundational in-market tests to ground credit policy and power machine-learning models, and using customer data to identify gaps in existing decisioning frameworks.

The role provides strategic leadership to develop business strategies that support growth, profitability, and competitive success amid changing consumer and regulatory demands. It may include managing and developing one or two analysts, coaching and mentoring associates, and leading product, marketing, credit-risk, and execution initiatives. The Business Manager works with colleagues across IT, Sales, Operations, Finance, and other functions to improve quality, volume, service, and profitability. The role requires analytical decision-making, quantitative strength, sound business judgment, people leadership, executive communication, and the ability to deliver results in a fast-paced and changing environment. The position is eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

Requirements

• At least 3 years of professional experience performing analysis.
• Currently hold, or be in the process of obtaining by the scheduled start date, a bachelor's or master's degree in a quantitative field, or an MBA with a quantitative concentration.
• Quantitative field of study may include Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical Engineering, Information Systems, or a related quantitative field.
• Strong analytical and quantitative orientation, strategic thinking, and problem-solving and decision-making skills.
• Strong business judgment, leadership, and integrity; ability to make tenacious but responsible decisions.
• People leadership capabilities, including building and leveraging high-performing teams and business partnerships.
• Impeccable written and oral communication skills, strategic influence, and negotiation skills.
• Results orientation and ability to execute in an uncertain, fluid, fast-paced, entrepreneurial, and dynamic environment.

Nice To Haves

• Master’s degree in Business or a quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, or Engineering.
• 5 or more years of experience in analysis.
• 2 or more years of experience in financial services.
• 1 or more years of experience in consulting.
• 2 or more years of experience in people management.
• Previous consulting experience.

Responsibilities

• Partner with Data Science to develop models that drive personalized customer treatment at the right time.
• Design foundational in-market tests to ground credit policy and power machine-learning models.
• Use customer data to identify gaps in current decisioning frameworks.
• Develop business strategies to drive growth, profitability, and competitive success in response to changing consumer and regulatory demands.
• Potentially manage and develop one or two analysts; coach and mentor associates to develop and retain talent.
• Develop and implement product and pricing strategies for lending products and lead product-level modeling and analytics.
• Lead direct-to-consumer marketing efforts for select products and help set strategic direction for products distributed through retail channels.
• Build targeted insights to inform new customer experiences, technology, concepts, and go-to-market strategies.
• Improve credit performance by connecting future consumer credit trends to historical behavior, creating risk models, and testing hypotheses through monitoring and analysis.
• Manage and sequence delivery of business intent, build business requirements, execute product strategy, and oversee multiple projects and programs concurrently.
• Partner with IT, Sales, Operations, Finance, and other Capital One colleagues to improve quality, volume, service, and profitability.
• Make analytically grounded decisions and solve problems in credit risk management and marketing.
• Build and leverage high-performing teams and enterprise partnerships, foster innovation, drive decisions, hold partners accountable, and deliver results.
• Communicate and influence effectively with executives and stakeholders to build agreement and drive outcomes.

Benefits

• Comprehensive health, financial, and other benefits supporting total well-being.
• Performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager