Audit Manager, Consumer Lending (Credit Card & Personal Loans) (Hybrid)

Capital One; Plano (TX); Hybrid; USD 138,000 - 158,000; Full time

Job summary

Capital One is seeking an Audit Manager for Consumer Lending (Credit Card & Personal Loans) in a hybrid role based in Plano, TX. You will plan, perform, and lead large audits, supervise teams, and leverage data analytics to identify risks and drive remediation across the lending portfolio.

The role requires 5+ years in auditing or risk management, with 3+ years in leading engagements. A Bachelor's degree is required; a Master’s/MBA and professional certifications are preferred.

Qualifications

• Bachelor's Degree or military experience required.
• 5+ years of auditing, compliance, or risk management experience.
• 3+ years of leading audit engagements or auditor-in-charge.

Responsibilities

• Plan, perform, and lead large audits across Consumer Lending (Credit Card & Personal Loans).
• Oversee multiple audits and administrative tasks with deadlines.
• Supervise audit team, provide training and coaching.
• Execute audit procedures, identify issues, and document processes.
• Communicate risks, scope, and recommendations to stakeholders.
• Leverage data analytics and AI tools during planning and reporting.
• Develop annual audit plan through ongoing risk assessments.

Skills

Critical thinking

Agile learning

Organized and detail-oriented

Adaptable to change

Data analytics

Relationship builder

Mentor and culture carrier

Education

Bachelor's degree or military experience

Master's degree / MBA (preferred)

CIA / CPA / CRCM (preferred)

Tools

Data analytics tools

Job description

Audit Manager, Consumer Lending (Credit Card & Personal Loans) (Hybrid)

Capital One’s Audit function is a dedicated group of professionals focused on delivering top-quality assurance services to the organization’s Audit Committee. Audit professionals are experienced, well-trained and credentialed, and operate within a collaborative, agile environment to deliver value-added opinions and recommendations. Audit's vision to provide high value, independent, proactive insights, to innovate with technology, and to be a top-notch talent destination, creates a dynamic and challenging atmosphere for both personal growth and professional opportunity.

Responsibilities:

• Plan, perform, and lead large, complex audits across the Consumer Lending (Credit Card and Personal Loans) business units.
• Manage the timely and quality delivery of multiple concurrent tasks, including audits, special assignments, and administrative duties, while working independently across the department to successfully meet deadlines.
• Supervise and coordinate work assignments among audit team members, providing timely feedback, on-the-job training, and coaching.
• Execute audit procedures, identify and define issues, perform issue validations to confirm sustainable remediation, and document processes.
• Assess the relevance of audit findings, potential exposures, materiality, and emerging trends, demonstrating a strong awareness of big-picture business issues.
• Leverage available data, analytical tools, and emerging AI technologies during the planning, fieldwork, and reporting phases of audit delivery.
• Effectively communicate audit scope, protocols, risks, and recommendations during kick-offs, status updates, and exit meetings, tailoring your message to the audience.
• Establish and maintain influential relationships with key business and audit partners.
• Provide input into the development of the annual audit plan through continuous monitoring and ongoing risk assessments.

Ideal teammate:

• You are a critical thinker who provides objective insight: You seek to deeply understand the business and believe objectivity is core to providing assurance on governance and internal controls.
• You are an agile learner who connects the dots: You quickly absorb complex information about Consumer Lending products and seamlessly connect granular operational details to overarching business strategy and risks.
• You are highly organized and detail-oriented: You approach complex audits with a meticulous eye for detail, ensuring no control gap is overlooked while keeping large-scale projects structured and on track.
• You adapt to change and navigate ambiguity with ease: You are intellectually curious, like to test assumptions, and can synthesize disparate pieces of data into cohesive, actionable insights for leadership.
• You leverage technology to drive results: You believe a rich understanding of data and innovation makes you a better auditor and are eager to utilize data analytics to further your technical expertise.
• You are a relationship builder: You develop influential partnerships based on shared risk objectives and trust to deliver outstanding business impact.
• You are a teacher and culture carrier: You lead by example, have a passion for coaching your team, and create an inclusive environment that makes it easy to attract and retain top talent.

Basic Qualifications:

• Bachelor’s Degree or military experience.
• At least 5 years of experience in auditing, compliance, or risk management, or a combination.
• At least 3 years of experience in leading audit engagements or performing in the role of auditor-in-charge.

Preferred Qualifications:

• Master’s Degree in Accounting, Master’s Degree in Finance, Master’s Degree in Economics, or Master of Business Administration.
• Certified Internal Auditor (CIA), Certified Public Accountant (CPA), or Certified Risk Compliance Manager (CRCM).
• 6+ years of experience in auditing consumer compliance, banking, or the financial services industry.
• 1+ years of experience with data analytics tools in support of internal audit.

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

This role is hybrid meaning associates typically spend 3 days per week in-person at one of our offices listed on this job posting.

The minimum and maximum full-time annual salaries for this role are listed below, by location.

• Charlotte, NC: $138,100 - $157,700 for Audit Manager
• McLean, VA: $151,900 - $173,400 for Audit Manager
• New York, NY: $165,700 - $189,200 for Audit Manager
• Plano, TX: $138,100 - $157,700 for Audit Manager
• Richmond, VA: $138,100 - $157,700 for Audit Manager

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website.

Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.

No agencies please.

Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws.

Capital One promotes a drug-free workplace.

Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at [e-mail]. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to [e-mail]

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Capital One Financial is made up of several different entities.

Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit.