Manager, Product Management - Personal Loans

Capital One; Chicago (IL); On-site; USD 150,000 - 188,000; Full time

Job summary

Capital One is seeking a Manager of Product Management for Personal Loans to lead the front-end design of the customer application experience. You will drive the UI/UX experimentation roadmap, collaborating with Design, Credit Risk, Analytics, Tech, and Marketing to optimize conversion and display of complex financial choices.

The role emphasizes data-driven testing, micro-copy optimization, and cross-functional leadership to deliver sustainable customer experiences.

Qualifications

• Bachelor’s or Master’s Degree in a quantitative field (Statistics, Economics, Analytics, CS, etc.) or Business/Marketing plus PM experience.
• Experience translating business strategy into consumer-facing digital products.

Responsibilities

• Execute the experimentation roadmap for upfront application entry points with Design, Credit Risk and Analytics.
• Optimize the offer selection and counter-offer UX for clear, intuitive financial choices.
• Leverage AI for rapid prototyping to translate insights into actionable requirements for engineering teams.
• Collaborate with Tech, Design, and Marketing to ensure frontend execution and event tracking.
• Manage delivery, track bugs, production health, and compliance for the upfront screens.

Skills

Product Management

Digital product strategy

Education

Bachelor’s or Master’s Degree in a quantitative field or related field

Job description

Manager, Product Management - Personal Loans Product Management at Capital One is a booming, vibrant craft that requires reimagining the status quo, finding value creation opportunities, and driving innovative and sustainable customer experiences through technology. We believe our portfolio of businesses and investments in growth and transformation will result in a company with the scale, brand, capabilities, talent, and values to succeed as the digital revolution transforms our society and our industry.

About the Team Capital One, via Discover Personal Loans, is a leading provider of unsecured personal loans in the US, serving more than 600,000 customers and originating more than $4B annually to meet the debt consolidation and purchase finance needs of both existing and new customers. Our product is incredibly simple and clear for customers to use and understand the value - fixed interest and term, no fees, no gimmicks. We have an awesome team who obsess every day about growing our business, meeting the needs of our customers, and delivering in an exceptionally well managed way.

As a Manager of Product Management, you will lead the front-end design of customer application experience for Capital One Personal Loans. Your focus will span from the moment a customer lands on the initial application page—whether responding to a targeted invitation or arriving via non-solicited organic traffic—through to the critical offer selection screens. You will be accountable for driving our UI/UX experimentation roadmap, partnering deeply with Design and Credit Risk and Analytics partners to test things such as offer customization, visual layouts, and counter-offer experiences. If you love obsessing over conversion funnels, micro-copy, and running data-driven A/B tests that instantly impact a $4B+ business, this role is for you.

In this role, you’ll be accountable for:

• Executing the experimentation roadmap for the upfront application entry points, partnering with Design, Credit Risk and Analytics to launch, monitor, and scale A/B tests that expand into new segmentations and optimize conversion for all customer segments
• Optimizing the offer selection and counter-offer UX, ensuring that complex financial choices are presented clearly, transparently, and intuitively to the customer
• Leveraging AI for rapid prototyping to quickly translate user insights and funnel data into crisp product requirements, user stories, and acceptance criteria for our engineering delivery teams
• Collaborating closely with Tech, Design, and Marketing counterparts to ensure seamless frontend execution and bulletproof tracking of user behavior across screens
• Ensuring a well-managed delivery process, proactively tracking bugs, production health, and compliance requirements for the upfront application screens

Capital One Product Framework

In this role, you’ll be expected to demonstrate proficiency in five key areas which we consider to be the foundation for successful Product Management:

• Human Centered – Obsesses about internal and external customer needs to reimagine and innovate product solutions
• Business Focused – Delivers game-changing outcomes by focusing on leverage and execution excellence
• Technology Driven – Leverages technology to deliver innovative and resilient solutions that enable both near term and long term value
• Integrated Problem Solving – Identifies and resolves complex problems to deliver outcomes while mitigating product risks
• Transformational Leadership – Leads cross functional teams to solve customer problems and drive organizational alignment

Basic Qualifications:

• 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 or Master’s Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical Engineering, Information Systems or a related quantitative field), Business or Marketing OR Bachelor’s degree in any field and at least 3 years of Product Management experience

Preferred Qualifications:

• Experience translating business strategy and analysis into consumer facing digital products

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

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

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

Riverwoods, IL: $149,800 - $171,000 for Manager, Product Management

Anytown, IL: $149,800 - $171,000 for Manager, Product Management

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].

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).

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.