Senior Director, Product Management, Decisioning Platforms

About the role

Product Management at Capital One is a booming, vibrant craft that requires reimagining the status quo, finding value‑creation opportunities, and driving innovative and sustainable customer experiences through technology. The Retail Bank team is seeking a highly strategic and technically deep Senior Director of Product to lead platform teams with a critical focus on building the next‑generation automated fraud defense engine. This individual will define the long‑term vision for the destination fraud decisioning platform, evaluate how it converges with enterprise infrastructure, champion new technology, scale a high‑performing team, and drive multi‑year strategic planning to build an unprecedented, unified defense ecosystem.

The role aligns with Capital One’s Product Framework, emphasizing human‑centered design, business focus, technology‑driven innovation, integrated problem solving, and transformational leadership.

Responsibilities

• Define the multi‑year vision and long‑term strategy for the destination fraud decisioning platform, aligning with enterprise directives on destination architectures.
• Evaluate, architect, and execute the strategy for converging fraud platforms with Decisioning 2.0 to create a unified, real‑time decisioning ecosystem.
• Champion novel LLM and agentic AI capabilities to build an automated fraud defense engine that solves industry‑wide problems in a fundamentally new way.
• Drive clarity across a highly complex, ambiguous problem scope spanning anomaly detection, trend inference from fraud/claims, investigations, policy creation, optimization, testing, and lifecycle management.
• Contribute to multi‑year strategic planning and directly influence budget allocation to support critical defense infrastructure.
• Provide problem‑solving, technical acumen, and influence to drive a proof of concept within the next few quarters.
• Mentor existing manager‑level product managers, scale the organization, and ensure operational excellence across the platform.
• Oversee and align with 10+ technical and sprint teams to build and scale the platform, leading vision and strategy for complex architectural builds.
• Develop and execute a phased, multi‑year technical delivery approach, transitioning from days‑to‑weeks manual updates to real‑time automated adaptations.
• Navigate a highly complex internal stakeholder landscape, expand the defense engine horizontally to support other lines of business (e.g., SBB, Card, Marketing), and manage critical relationships with senior VP stakeholders and external vendors.
• Ensure platform capabilities enable tenants to meet regulatory requirements, collaborate on model and credit decision risks, and maintain auditability of the automated fraud defense platform.

Basic Qualifications

• Bachelor’s degree in any field.
• At least 7 years of product management experience.

Preferred Qualifications

• Experience translating complex business strategy and technical challenges into clear, data‑driven product roadmaps.
• 3 + years building and leading teams of product managers.
• 3 + years in innovative technology environments.
• 3 + years building business‑critical AI and machine‑learning products.
• 1 + year of fraud and cyber‑security experience.
• Strong communication skills with a track record of engaging and influencing senior executives.
• Ability to lead and influence cross‑functional teams, including engineering, design, and risk management.

Pay

• McLean, VA: $269,600 – $307,700
• New York, NY: $294,100 – $335,700
• Philadelphia, PA: $245,100 – $279,800
• Richmond, VA: $245,100 – $279,800
• Wilmington, DE: $245,100 – $279,800
• Other locations: salary range based on local market.
• Eligible for performance‑based incentive compensation, including cash bonuses and/or long‑term incentives (discretionary or non‑discretionary).

Benefits

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