Business Director - Credit Analytics

About the role

Apply your strategic and analytical skills to review and challenge credit loss forecasts for various lines of business that inform the Company’s quarterly allowance and annual stress testing estimates. Work in a collaborative environment that values insight, encourages new responsibility, promotes continuous learning, and rewards innovation.

Responsibilities

• Leadership: Manage or develop analysts, coaching and mentoring associates to develop and retain talent.
• Credit Risk: Drive step-change improvements in credit forecast performance by connecting drivers of future consumer (and commercial) credit trends to historical behavior, creating risk analytics, and testing hypotheses using rigorous monitoring and analysis.
• Execution: Manage the credit forecast challenge process, including forming hypotheses, designing analytics, interrogating data, and synthesizing takeaways for leadership with influence and effective communication. Oversee multiple projects concurrently.
• Partnership: Collaborate with colleagues across Capital One, including Loss forecast teams, Model Developers, Model Validation, Finance, and Credit Accounting to improve the company’s ACL and CCAR process and outcomes.
• Strategic & Analytic Orientation: Make decisions and solve problems based on analytics, complementing conceptual thinking with a strong quantitative orientation.
• Business Judgment & Leadership: Apply strong judgment, leadership, and integrity in prioritizing challenge efforts and debating conclusions with the first-line team.
• People Leadership: Build and leverage the capabilities of a high-performing team and business partners, fostering innovation, driving critical decisions, and holding partners accountable.
• Executive Communication: Demonstrate impeccable written and oral communication, strategic influencing skills, and the ability to drive agreement through intellect and negotiation.
• Results Orientation: Display an intense focus on achieving both short- and long-term goals, executing an agenda in an uncertain and fluid environment.
• Adaptability: Thrive in a fast-paced and dynamic environment.

Requirements

• Bachelor’s Degree.
• At least 4 years of experience performing quantitative analysis.
• At least 4 years of experience performing qualitative analysis.
• At least 2 years of experience performing people management.
• At least 2 years of experience performing project management.

Preferred Qualifications

• Master’s Degree in Business or a quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, or Engineering.
• 5+ years of experience in quantitative and qualitative analysis.
• 5+ years of experience in financial services.
• 3+ years of experience in Consumer credit management, such as Card, Auto, or Personal Loans.
• 3+ years of experience in people management.
• 1+ year of experience in consulting.

Pay

The annual full-time salary ranges for this role by location are:

• McLean, VA: $230,400 - $263,000
• Richmond, VA: $209,500 - $239,100
• Riverwoods, IL: $209,500 - $239,100

Candidates hired in other locations will be subject to the pay range associated with that location. Part-time salaries will be prorated. This role is also eligible for performance-based incentive compensation, including cash bonuses and/or long-term incentives.

Benefits

Capital One offers a comprehensive, competitive, and inclusive set of health, financial, and other benefits to support total well-being. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.