Business Manager

Capital One; Richmond (VA); On-site; USD 150,000 - 188,000; Full time

Job summary

Capital One is seeking a Business Analysis Manager to lead strategic analytics for the Commercial Underwriting and Portfolio Management teams. You will collaborate with executives to shape risk frameworks, build scenario models, and drive portfolio strategies that balance credit risk and return on loans.

The role emphasizes analytics-driven decision making, leadership across product, tech, underwriting and sales, and a track record of driving results in a fast-paced environment.

Qualifications

• Bachelor's or Master's in a quantitative field (Business, Finance, Economics, Analytics, CS, OR) or MBA with quantitative focus.
• 5+ years of experience in analysis is preferred (from the preferred qualifications).

Responsibilities

• Strategic leadership to drive growth, mitigate credit losses, and pursue profitability.
• Develop and implement analytical products for segments within the commercial loan portfolio; lead modeling and analytics.
• Improve credit performance by connecting drivers to future trends and testing hypotheses.
• Oversee delivery of business requirements and execute against product strategy across multiple projects.

Education

Bachelor's Degree in a quantitative field

Master's Degree in a quantitative field or MBA with a quantitative concentration

Job description

Summary

As a Business Analysis Manager 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.

As a Business Analysis Manager 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. Within Commercial Underwriting and Portfolio Management, we’re redesigning our approach to analytical Portfolio Management, and leveraging technology to do so. As a Business Manager, you’ll engage senior executives to explore potential credit risks to the portfolio, partner with data analysts to build scenario models and analytical tools, and shape the go forward strategy to best balance the credit risk and return profile of our loans. Your role will pursue always-on portfolio management, responding to external market disruptions and macroeconomic factors, and developing analytical frameworks for evaluating how those threats would affect the portfolio, and how we can respond to mitigate that threat.

General Responsibilities

• Strategic leadership: Develop business strategies that will drive growth, mitigate credit losses, and pursue profitability and competitive success for Capital One in the face of shifting customer and regulatory demands
• Product: Develop and implement new analytical products for segments within the Commercial loan portfolio; lead product level modeling/analytics
• Credit Risk: Drive step-change improvements in credit performance by connecting drivers of future customer credit trends to historical behavior, creating risk frameworks, 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: Product, Tech, Underwriting, Credit, and Sales to drive improvement in credit risk management 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 analytics & 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.
• 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

Basic Qualifications

• At least 3 years of professional experience performing analysis
• Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:
• A Bachelor's Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer engineering, Software engineering, Mechanical engineering, Information Systems or a related quantitative field)
• A Master's Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical engineering, Information Systems or a related quantitative field) or an MBA with a quantitative concentration

Preferred Qualifications

• Master's Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
• 5+ years of experience in analysis
• 2+ years of experience in financial services
• 1+ year of experience in consulting
• 2+ years of experience in people management

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

McLean, VA: $164,800 - $188,100 for Business Manager

Richmond, VA: $149,800 - $171,000 for Business 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.

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

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).