Consumer Credit Review Senior Manager

Capital One; Plano (TX); On-site; USD 175,500 - 200,300; Full time

Benefits offered by this job

Comprehensive benefits package

Performance-based incentives

Job summary

A leading financial services firm in Plano, TX is seeking a Consumer Credit Review Senior Manager. This role is responsible for conducting risk-based assurance reviews in consumer credit portfolios. Key qualifications include substantial experience in business analysis and consumer lending, along with strong communication skills. The position offers a competitive salary and benefits, supporting professional development and performance incentives.

Qualifications

• 7+ years of professional business and data analysis experience.
• 3+ years of experience in consumer lending or credit risk policy.
• Experience influencing senior level executives or regulators.

Responsibilities

• Conduct risk-based reviews covering consumer lines of business.
• Identify credit process weaknesses.
• Communicate Credit Review assurance results clearly.

Skills

Risk-based analysis

Data analysis

Credit risk management

Communication skills

Education

Bachelor’s degree or military experience

Master’s Degree

Job description

Overview

Consumer Credit Review Senior Manager role at Capital One. The Senior Manager is responsible for executing independent, risk-based assurance reviews within Capital One’s Consumer credit portfolios (card and auto). This includes assessment of credit strategies and practices, effectiveness of policy implementation and risk governance. The Senior Manager contributes to the annual Credit Review operating plan by leading reviews of credit processes or products, monitoring credit trends and changes in the assigned portfolios and in horizontal reviews. The role involves exposure to full spectrum lending activities (acquisition, customer management, etc) across first- and second-line risk management, providing effective challenge to Accountable Executives and building relationships with line of business management and risk management stakeholders.

General Responsibilities

• Conduct risk-based reviews covering consumer lines of business
• Identify credit process weaknesses
• Identify emerging trends and issues
• Perform independent data analysis to support or identify gaps in credit policies
• Track identified issues through to resolution
• Communicate Credit Review assurance results clearly, verbally and in writing
• Report results and issues to executive management and risk senior executives
• Collaborate with regulators and external auditors to ensure Credit Review processes are sound
• Build and maintain high-trust relationships with credit risk executives and regulators
• Act as an approachable advisor to business partners, establishing continuous and effective communication channels
• Provide leadership and partnering to drive critical decisions and deliverable results

Basic Qualifications

• Bachelor’s degree or military experience
• At least 7 years of professional business and data analysis experience
• At least 3 years of experience in consumer lending (credit card and auto loans) credit risk policy, analytics or strategy development
• At least 3 years of experience influencing senior level executives or regulators

Preferred Qualifications

• Master’s Degree
• Consumer credit training from a large national or regional bank or equivalent training in a regulatory office (OCC, Federal Reserve)
• Credit risk modeling, audit or assurance experience

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

Compensation and Location

The minimum and maximum full-time annual salaries for this role are listed below, by location. Salaries are for candidates hired to work within the listed locations and may be reflected in the offer letter. Part-time roles will be prorated based on hours worked.

• Chicago, IL: $175,500 - $200,300 for Sr. Credit Review Manager
• McLean, VA: $193,000 - $220,300 for Sr. Credit Review Manager
• New York, NY: $210,500 - $240,300 for Sr. Credit Review Manager
• Plano, TX: $175,500 - $200,300 for Sr. Credit Review Manager
• Richmond, VA: $175,500 - $200,300 for Sr. Credit Review Manager
• Wilmington, DE: $175,500 - $200,300 for Sr. Credit Review Manager

Candidates hired to work in other locations will be subject to the pay range for that location. The actual offer will be stated in the offer letter. This role is eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

Additional Information

Capital One offers a comprehensive benefits package. Eligibility varies by status. This role is expected to accept applications for a minimum of 5 business days. Capital One is an equal opportunity employer and a drug-free workplace. For accommodations, contact Recruiting at 1-800-304-9102 or [e-mail]. For technical support or questions about the recruiting process, email [e-mail].

Capital One does not guarantee third-party products or services advertised on this site. Capital One Financial is made up of several entities; postings outside the U.S. may be for local entities (e.g., Capital One Canada, Capital One Europe, or COPSSC).