Capital One

Senior Business Manager, Personal Loans

Capital One

full-time

Posted on:

Location Type: Office

Location: Chicago • Illinois, Virginia • 🇺🇸 United States

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Salary

💰 $175,500 - $220,300 per year

Job Level

Senior

About the role

  • Manage marketing, pricing & credit strategies – Optimize existing strategies and build new strategies for the cross sell and out of file segments.
  • Shape the future of PL at Capital One – Evaluate legacy practices, upgrade to Capital One best practice, and propose even better ways of working.
  • Search for and deliver value – Establish and execute a prioritized learning agenda; make bold proposals for growing business value; testing and learning may span customer experience, marketing, underwriting, product configurations, and more.
  • Tell the story - Effectively articulate facts, risks and implications to influence and support senior leadership to enable time-critical credit decisions.
  • Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behavior.
  • Business ownership: Have an ownership mindset, and potentially P&L accountability for a business segment.
  • Strategic planning with a 1-6 month horizon.
  • Leadership: 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.
  • 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 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.
  • 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: 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.
  • 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.
  • Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise.
  • 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.
  • Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment.
  • Previous consulting experience is a plus.

Requirements

  • Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering)
  • At least 2 years of experience in quantitative analysis
  • At least 2 years of experience in qualitative analysis
  • At least 1 year of experience in people management
  • At least 1 year of experience in project management
  • Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering (Preferred)
  • 5+ years of experience in quantitative analysis (Preferred)
  • 5+ years of experience in qualitative analysis (Preferred)
  • 2+ years of experience in people management (Preferred)
  • 2+ years of experience in product development (Preferred)
  • 2+ years of experience in financial modeling (Preferred)
  • 2+ years of experience in economic forecasting (Preferred)
  • 2+ years of experience in project management (Preferred)
Benefits
  • Comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
quantitative analysisqualitative analysispeople managementproject managementfinancial modelingeconomic forecastingproduct developmentcredit risk managementstrategic planningdata analysis
Soft skills
leadershipcoachingmentoringexecutive communicationstrategic influencingproblem solvingbusiness judgmentresults orientationconceptual thinkinginterpersonal skills
Certifications
Bachelor’s DegreeMaster’s Degree
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