Manager, Product Management - Recoveries Modernization Account Data Lead

Capital One; McLean (VA); On-site; USD 165,000 - 188,000; Full time

Job summary

Capital One is seeking a Product Manager to drive the Recoveries Modernization program. You will bridge data engineering with business strategy, guiding migration, sunsetting legacy systems, and shaping the post-modernization roadmap.

You will lead cross-functional teams through migrations, define API contracts, and build a data product vision that improves customer outcomes and ensures risk controls align with regulatory standards.

Qualifications

• Experience leading data-intensive product initiatives and system migrations.
• Strong domain fluency in account lifecycle and charge-off flows.
• Proven cross-functional client management and backlog prioritization.

Responsibilities

• Lead Modern Core Migrations: onboard downstream client applications to destination-state streaming data assets; manage testing, RCA, and production cutovers for read/write traffic.
• Decommission legacy infrastructure as systems transition to the Modern Core.
• Define destination-state capabilities and target-state API contracts in collaboration with core platforms.
• Drive discovery and strategy; refine post-MVP backlog and build business cases for next capabilities.
• Embed robust data controls with Tech, Operations, Business Analysis and Risk partners.

Skills

Technical product initiatives

Data platform familiarity

Cross-functional client management

Education

Bachelor's or Master's degree in quantitative field

Tools

GraphQL

DPI

Job description

About the Team

US Card Recoveries manages financial and customer outcomes for charged-off accounts, helping recover outstanding debt while guiding customers back toward sustainable credit health. Recoveries is leading the charge as the first Line of Business at Capital One to migrate to the "Modern Core"—our next-generation data infrastructure. By moving away from legacy systems of record to a modernized, event-driven data ecosystem, this team unlocks enterprise platform capabilities that accelerate new product launches, lift recovery rates, and redefine customer recovery journeys.

About the Role

As the Product Manager, you will drive the critical path of the Recoveries Modernization program and architect the future state of our data platforms. You will bridge complex data engineering with business strategy, guiding downstream clients through migration, sunsetting legacy systems, and shaping the post-modernization product roadmap.

Key Responsibilities

• Lead Modern Core Migrations: Drive the onboarding of downstream client applications to destination-state streaming data assets (via GraphQL, DPI, and event-driven architecture), managing testing, root-cause analysis (RCA), and production cutovers for both read and write traffic.
• Decommission Legacy Infrastructure: Formulate and execute the strategy to safely decommission legacy customer, account, and transaction domains as systems transition to the Modern Core.
• Define Destination-State Capabilities: Establish target-state API contracts, design the future Recoveries Data Product, and partner with core platforms to deliver data capabilities that optimize business and customer outcomes.
• Drive Discovery & Strategy: Refine post-MVP backlog intent, conduct discovery, and build compelling business cases for the next wave of foundational capabilities.
• Embed Robust Controls: Collaborate with Tech, Operations, Business Analysis, and Risk partners to design and implement automated, preventative data controls across the ecosystem.

What You Bring

• Experience leading technical, data-intensive product initiatives (e.g., system migrations, API definitions, event-driven platforms).
• Strong domain fluency—or the ability to quickly master—account lifecycle, charge-off flows, and customer data management.
• Proven track record of cross-functional client management, migration execution, and backlog prioritization.

Capital One Product Framework

• 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, or offer any immigration related support for this position (e.g. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-3, and O-1, or any other forms of work authorization that require immigration support from an employer).

Salary and Incentives

• McLean, VA: $164,800 - $188,100 for Manager, Product Management
• New York, NY: $179,700 - $205,100 for Manager, Product Management
• Richmond, VA: $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]. 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 does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. 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.