Business Director - Credit Advisor, Partnership Card Deal Evaluations

Capital One; Richmond (VA); On-site; USD 209,500 - 239,100; Full time

Benefits offered by this job

Performance-based incentives

Comprehensive health benefits

Inclusive work environment

Job summary

A leading financial services company in Richmond, VA, seeks a Business Director - Credit Advisor to develop business strategies and oversee credit risk management. This strategic role requires at least 7 years of analytical experience and a Bachelor's degree in a quantitative field. Candidates will collaborate with various teams to enhance credit programs, and they should possess excellent leadership and communication skills. Strong decision-making capabilities and consultative experience are preferred in this dynamic position.

Qualifications

• 7+ years of experience in analysis.
• Proven track record in decision making based on analytics.

Responsibilities

• Develop business strategies for growth and profitability.
• Implement product and pricing strategies for lending products.
• Lead marketing efforts with strategic intent.

Skills

Strategic leadership

Analytical skills

Credit risk management

Consulting experience

Stakeholder management

Executive communication

Education

Bachelor’s Degree in quantitative field

Job description

Overview

Business Director - Credit Advisor, Partnership Card Deal Evaluations

As a Business Director at Capital One, you will apply your strategic and analytical skills to major company challenges. You’ll team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you will do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.

This role is for a Credit Advisor to support Capital One’s growing business. The position is in Card Credit Risk Management and provides credit risk partnership to first line Credit Officers and analysts. It’s an exciting opportunity to demonstrate and develop your credit talent. You will work directly with some of Capital One’s best credit leaders, in both the first and second lines of defense. You will influence the development of Capital One\'s credit programs, gaining exposure and experience with credit analysis that is not available anywhere else in the company. And you will learn how one of the world’s best credit companies manages and governs our credit risks.

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 demands
• Product: Develop and implement new product and pricing strategies for various lending products; lead product level data modeling/analytics
• Marketing: Lead direct-to-consumer marketing efforts for select products, and strategic intent for products distributed through the retail channel. 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: 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: They 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. They 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. They 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 in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering)
• At least 7 years of experience in analysis

Preferred Qualifications

• Master’s Degree
• 2+ years of experience in financial services
• 1+ year of experience in consulting
• 3+ years of experience in stakeholder management

Compensation and Benefits

Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Chicago, IL: $209,500 - $239,100 for Business Director; McLean, VA: $230,400 - $263,000 for Business Director; Richmond, VA: $209,500 - $239,100 for Business Director. Other locations follow location-specific pay ranges. The actual salary offered will be reflected in the 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.

Equity, Policies, and Accommodations

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. 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 require an accommodation to apply, 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 used only to provide needed reasonable accommodations. For technical support or questions about Capital One’s recruiting process, please email [e-mail]. Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Positions posted in Canada are for Capital One Canada, in the United Kingdom for Capital One Europe, and in the Philippines for Capital One Philippines Service Corp. (COPSSC).