Manager, Product Management - Personal Loans Application Fraud Decisioning

Capital One; McLean (VA); On-site; USD 164,800 - 188,100; Full time

Benefits offered by this job

Health benefits

Inclusive benefits package

Job summary

Capital One is seeking a Product Manager for the Fraud team to define and build fraud detection and mitigation for personal loans, balancing risk controls with a frictionless customer experience. The role emphasizes strategic visioning, data-driven decisioning, and close collaboration with cross‑functional partners to deliver impactful results in a security‑minded environment.

We value strong communication, a results‑driven mindset, and the ability to translate business strategy into compelling

Qualifications

• Bachelor’s or Master’s degree in a quantitative field or related field, or Bachelor’s with 3+ years in Product Management.
• PM experience with consumer-facing digital products is preferred.

Responsibilities

• Strategic visioning and roadmapping to define the product north star.
• Leverage data and models as core assets for decisioning.
• Communicate with cross-functional, distributed partners to stay aligned.
• Drive high-quality, timely execution and remove blockers.

Skills

Data-driven

Cross-functional collaboration

Education

Bachelor’s or Master’s degree in a quantitative field

Job description

About the Team

At the heart of the Fraud team’s culture is the reflex to ask questions: Why is this the right problem to solve? What are our options, and of those, which is the optimal solution? How can we instill a deep sense of ownership? And how can we do all of the above while inspiring each other and having fun?

About the Role

Personal loans introduces a unique risk relative to credit cards because personal loans are disbursed in one lump sum after approval. We are looking for a Product Manager who will determine and build the right fraud detection and mitigation that propels a first‑in‑class frictionless experience for true customers, while triggering the appropriate verification tools to deter fraudsters when risk is detected.

Additional Elements of the Role

• Strategic visioning + roadmapping – Identify the north star for where we need to be years from now, and sequence milestones and priorities accordingly.
• Data‑driven – Elevate data and models as first‑class assets, the lifeblood of our decisioning.
• Communication – Stay committed to reaching out to and following up with cross‑functional, distributed partners to stay aligned.
• Results‑driven – Shepherd high quality and time execution, and collaborate to tackle blockers and obstacles that emerge.

Capital One Product Framework

This role requires proficiency in five key areas:

• 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 holds or is in the process of obtaining 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.
• Alternatively, holds a Bachelor’s degree in any field and has at least three years of Product Management experience.

Preferred Qualifications

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

Additional Information

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

Salary

Chicago, IL: $149,800 - $171,000 (Manager, Product Management)
McLean, VA: $164,800 - $188,100 (Manager, Product Management)
New York, NY: $179,700 - $205,100 (Manager, Product Management)
Richmond, VA: $149,800 - $171,000 (Manager, Product Management)

Benefits

Capital One offers a comprehensive, competitive, and inclusive set of health, financial, and other benefits that support your total well‑being.

Equal Opportunity Employer Statement

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 qualified applicants with a criminal history in a manner consistent with applicable laws regarding criminal background inquiries.