Manager, Product Manager - In Person Transactions

Capital One National Association; New York, Northern (NY, KY); Hybrid; USD 180,000 - 205,000; Full time

Job summary

Capital One is hiring for a Manager, Product Manager - In Person Transactions. This role focuses on launching new digital-physical experiences that move money securely and seamlessly in person, supported by analytics and ML-driven enhancements.

You will guide data-centric product evolution, partnering with engineering, research, and design to solve complex customer and business challenges and deliver market-ready solutions.

Qualifications

• Bachelor's or Master’s Degree in a quantitative field (Statistics, Economics, Analytics, CS, Engineering) or related field, Business or Marketing.
• Bachelor's degree and at least 3 years of Product Management experience.

Responsibilities

• Spearhead the zero-to-one launch of a net-new product at the intersection of digital experiences and physical money movement.
• Lead evolution of the ecosystem by building data-centric features and exploring ML/GenAI opportunities to improve operational efficiencies.
• Set direction across both initiatives, balancing strategic bets with modernization, reliability, and compliance across data platforms, payments, observability and security.

Skills

Product management leadership

Cross-functional collaboration

Data-driven decision making

ML/AI awareness

Digital to physical integration

Education

Bachelor's or Master’s in quantitative field or related

Bachelor's degree + 3+ years Product Management experience

Job description

Manager, Product Manager - In Person Transactions

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 is reimagining how customers bank in person. Our ATM and in-person banking technology organization builds the software platforms behind a nationwide fleet of ATMs, self-service kiosks, and branch network devices, moving the experience from reliable cash access toward real-time, intelligent, customer-first interactions.

The In-Person Transactions (IPT) team is redefining the technology that powers our customers' physical financial touchpoints where our customers interact with their money. We operate at the critical intersection of digital software and physical hardware, managing the full ATM stack and the broader ecosystem of in-person banking. While this space has traditionally relied on rigid hardware constraints, we're aggressively rethinking the status quo, building software-driven solutions that treat physical devices as intelligent, connected endpoints rather than static machines. By prioritizing a digital-first architecture, we're transforming everyday transactions into seamless digital experiences and pushing the boundaries of what's possible in the physical-to-digital ecosystem.

As a Product Manager for IPT, you'll step into a high-impact, senior individual contributor role driving two critical and complex initiatives.

• First, you'll spearhead the zero-to-one launch of a net-new product at the intersection of digital experiences and physical money movement. The core challenge, and the excitement of this build, lies in untangling intricate physical and servicing dependencies to engineer a seamless digital experience. You'll collaborate closely with engineering, user research, and design to solve complex customer and business challenges and bring a groundbreaking product to market.
• Second, you'll lead the evolution of our ecosystem by building advanced, data-centric features. You'll leverage our rich data sets and explore opportunities to integrate machine learning and generative AI to uncover operational efficiencies and build intelligent connections across our systems. This is a chance to architect smart, predictive solutions that strip away legacy constraints and redefine how intelligently and autonomously our systems operate.

You’ll set direction across both areas, balancing net-new strategic bets against platform modernization, reliability, and compliance work. It's a high-exposure role spanning data platforms, payments, observability, and security, with regular interaction across engineering, design, operations, and senior leadership.

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

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.

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.

For technical support or questions about Capital One’s recruiting process, please send an email to [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].