Distinguished Engineer (Decisioning Platform)

Capital One; New York (NY); On-site; USD 294,000 - 335,000; Full time

Job summary

Capital One’s Card Decisioning Platform team seeks a Distinguished Engineer to guide architectural direction and drive a world-class, scalable platform for real-time decisioning across card, lending and banking products.

You will mentor engineers, collaborate with product partners, and write code while shaping an engineering culture that delivers robust, resilient systems and fast feedback loops. This role can be located in New York or McLean, with competitive compensation.

Qualifications

• Bachelor’s Degree in a relevant field.
• 7+ years hands-on full stack or backend technologist experience.
• 5+ years coding in Java, Python, or Go.
• 5+ years software engineering, architecture or SRE work.
• 3+ years cloud native technologies (AWS, Azure, GCP).
• Master’s degree in CS or related field (preferred).
• 10+ years across full lifecycle of system development (preferred).
• 8+ years designing large-scale, resilient applications (preferred).
• 3+ years experience with large-scale platform solutioning (preferred).
• Familiarity with AI agents and orchestration (preferred).

Responsibilities

• Articulate a bold technical vision for your area of responsibility.
• Decompose complex problems into practical, operable solutions; write code.
• Ensure quality of technical design and implementation.
• Serve as an expert on non-functional characteristics: performance, scalability, observability.
• Continue learning and sharing advanced technical knowledge.
• Handle several projects simultaneously to maximize impact.
• Mentor engineers and product teams to raise technical excellence.
• Coach next generation of distinguished engineers through delegation.

Skills

Full stack / backend technologist

Java / Python / Go

Software architecture

Cloud native technologies

Mentorship / leadership

Education

Bachelor's Degree

Master's Degree in CS or related field (preferred)

Tools

AWS

Azure

GCP

Job description

Capital One’s Card Decisioning Platform team is responsible to enable our business to manage risk and drive business value across the customer lifecycle by providing real-time, accurate , secure and AI powered decision-making solutions for customer transactions, fraud detection, alerts, credit inquiries and applications across card, lending and banking products.

In this role, you will work with our decisioning platform squads to provide architectural guidance and technical leadership to help build the destination workflow orchestration for capital one. You will be a thought leader in this space to ensure we are building a world class platform that is scalable, resilient, multi-tenant and can support a variety of use cases in a frictionless manner catering to business users, engineers and analysts needs

You will work with other Distinguished Engineers, Engineering leaders and Product partners to detail out design solutions and work closely with Software engineers to develop and engineer the products as envisioned by creating POCs, working with spec and code. Most of your time will be spent on writing code, reviewing PRs, and delivering code at a faster pace. You will be responsible to help the teams with setting up the best in the industry engineering culture and developer experience while also helping to remove technical impediments faced by your teams.. Additionally, you will provide mentorship and strategic guidance to our engineer, product, and leadership groups.

If you are ready to provide thought leadership and build engineering excellence across Capital One’s engineering teams, come join us in our mission to change banking for good.

Key responsibilities

• Articulate and evangelize a bold technical vision for your area of responsibility
• Decompose complex problems into practical and operational solutions by willing to write code and create low level designs
• Ensure the quality of technical design and implementation
• Serve as an authoritative expert on non-functional system characteristics, such as performance, scalability, observability and operability
• Continue learning and injecting advanced technical knowledge into our community
• Handle several projects simultaneously, balancing your time to maximize impact
• Act as a role model and mentor within the tech community, helping to coach and strengthen the technical expertise and know-how of our engineering and product community
• Ability to apply the right level of judgement on delegation of work to mentor individual contributors and thereby help to mentor and coach next generation of distinguished engineers

Basic Qualifications

• Bachelor’s Degree
• At least 7 years of experience as hands on full stack or backend technologist
• At least 5 years of professional experience coding in commonly used languages like Java, Python, Go
• At least 5 years of experience in software engineering, architecture, solution architecture, site reliability engineering
• At least 3 years of experience in cloud native technologies (AWS, Microsoft Azure, Google Cloud)

Preferred Qualifications

• Master's Degree in Computer Science or a related field
• 10+ years of professional experience in the full lifecycle of system development, from conception through architecture, implementation, testing, deployment and production support
• 8+ years of experience in designing large scale and resilient applications
• 3+ years of experience with solutioning a large scale platform
• Familiarity with AI agents, agent orchestration and architecture

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

McLean, VA: $269,100 - $307,200 for Distinguished Engineer

New York, NY: $293,600 - $335,100 for Distinguished Engineer

Richmond, VA: $244,700 - $279,200 for Distinguished Engineer

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]

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).