Senior Manager, Product Management - Personal Loans

Capital One • McLean, IL

10d

About The Position

Capital One, via Discover Personal Loans, provides unsecured personal loans to more than 600,000 customers and originates more than $4 billion annually. The product offers fixed interest rates and terms with no fees. As the business integrates into Capital One’s platform infrastructure, this role will shape the decisioning and targeting capabilities behind a seamless, well-managed digital application experience.

The Senior Manager will define and evolve the personal loans application decisioning experience, using AI models, experimentation, and targeting to improve originations and conversions. The role works with business analysts, fraud, servicing, design, marketing, technology, and other partners to build a flexible decisioning engine and integrate enterprise capabilities into the application journey. It also includes recruiting, developing, and leading product management talent.

Successful product management at Capital One is grounded in five areas: human-centered customer focus, business-focused execution, technology-driven solutions, integrated problem solving, and transformational leadership. The position is based on the applicable location pay range and is eligible for performance-based incentives. Capital One will not sponsor a new applicant for employment authorization for this position.

Requirements

• Currently has, or is obtaining with the required degree expected by the scheduled start date, a bachelor's or master's degree in a quantitative field, Business, or Marketing; alternatively, a bachelor's degree in any field and four years of Product Management experience.
• Ability to demonstrate proficiency in human-centered product management, business-focused execution, technology-driven solutions, integrated problem solving, and transformational leadership.

Nice To Haves

• Experience translating business strategy and analysis into consumer-facing digital products.

Responsibilities

• Define the intent and evolution of the personal loans application decisioning experience, using AI models, experimentation, and targeting to improve originations and conversion across the acquisition funnel.
• Streamline decisioning across the application funnel, from audience targeting and offer selection through funding.
• Partner with Fraud, Credit, and Risk leaders to establish and implement decisioning that balances a frictionless customer journey with credit and fraud controls.
• Build and maintain partnerships with first-line platform and operations teams and second-line risk partners to evolve and thoughtfully integrate enterprise capabilities into the application experience.
• Recruit, grow, and develop product management talent.
• Partner with Technology and Design counterparts to build a user-focused, AI-enabled delivery organization that innovates rapidly and operates with agility.
• Lead cross-functional teams to solve customer problems and drive organizational alignment.

Benefits

• Comprehensive health, financial, and other benefits supporting total well-being; eligibility varies by employment status and management level.
• Performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

What This Job Offers

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