Sr Business Manager - UMCLIP Valuations
About The Position
As a Senior Manager, Business Analysis at Capital One, you will apply your strategic and analytical skills to major company challenges. You will lead and team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you'll do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation. The Upmarket Line of Business (LOB) is seeking a dynamic Senior Manager or Director to lead the Upmarket CLIP (Credit Line Increase Program) Valuations team. The Upmarket CLIP program is on an incredible growth trajectory, currently granting $10B+ in annual exposure and generating $1B+ in Net Present Value (NPV). This program is uniquely full-spectrum, managing everything from ~$500 credit lines to premium $100k+ lines at the top of the market. This wide-ranging complexity requires Advanced Credit Infrastructure to effectively manage, optimize, and monitor the business. In this role, you will lead a talented team of 4–5 Model Developers (MDs) and serve as the strategic architect for our long-term valuations infrastructure. Positioned directly within the Upmarket LOB, this role provides consistent, heavy exposure to the credit and business strategy driving our growth. It is an ideal opportunity for an experienced modeler looking to gain business leadership exposure, or a highly technical business analyst looking to deepen their modeling expertise.
Requirements
- Bachelor’s Degree
- At least 3 years of experience performing quantitative analysis
- At least 3 years of experience performing qualitative analysis
- At least 1 year of experience performing people management
- At least 1 year of experience performing project management
- Highly technical and comfortable getting into the weeds to mentor and assist your team of Model Developers.
- Proven experience building models, with proficiency in Python.
Nice To Haves
- Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
- 5+ years of experience in quantitative analysis
- 5+ years of experience in qualitative analysis
- 2+ years of experience in people management
- 2+ years of experience in product development
- 2+ years of experience in financial modeling
- 2+ years of experience in economic forecasting
- 2+ years of experience in project management
- Practical experience with AI use cases is a plus.
- Experience driving strategy in management consulting, Tech, or FinTech environments is preferred.
- An academic foundation in a quantitative or engineering discipline.
- Previous consulting experience is a plus.
Responsibilities
- Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behavior
- Have an ownership mindset, and potentially P&L accountability for a business segment.
- Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics
- Lead direct to consumer marketing efforts for select products, and strategic intent for products distributed through various channels. 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
- 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
- Coordinate across the line of business to manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently
- Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability
- May manage and develop a team of analysts. Coaching and mentoring associates throughout the organization with a goal of developing and retaining talent at Capital One
Benefits
- comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being
- performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
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What This Job Offers
Job Type
Full-time
Career Level
Senior
