Sr. Business Manager

Key Responsibilities

• Strategic Vision: Define the 3-year strategic horizon for the BC&P portfolio, identifying emerging trends in B2B payments, embedded finance, and commercial credit.
• Portfolio Governance: Lead the prioritization framework for the entire product organization, ensuring resources are allocated to the highest-leverage initiatives.
• Insights-to-Action: Partner with Design and Market Research to translate customer pain points into prioritized product requirements.
• Stakeholder Synthesis: Act as the connective tissue between executive leadership and the product pods, ensuring the "why" behind the strategy is understood at every level.

General Responsibilities

• 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 1-2 month horizon: Lead the development and execution of strategic plans.
• 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.
• 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.
• 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: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business.
• Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise. He/she should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results.
• 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. He/she should be able to drive and execute an agenda in an uncertain and fluid environment.
• Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus.

Qualifications

• 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

Preferred Qualifications

• Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
• At least 5+ years of experience in quantitative analysis
• At least 5+ years of experience in qualitative analysis
• At least 2+ years of experience in people management
• At least 2+ years of experience in product development
• At least 2+ years of experience in financial modeling
• At least 2+ years of experience in economic forecasting
• At least 2+ years of experience in project management