Business Manager | BC&P High Line Growth & Credit Policy

Overview

Business Manager | BC&P High Line Growth & Credit Policy

Summary

As a Business Manager at Capital One, you will apply your strategic and analytical skills to major company challenges. You will manage, develop, and test strategies that impact key business results and ultimately the bottom line. And you will do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.

The Business Underwriting & Loss Mitigation team in Business Card & Payments (BC&P) line of business is responsible for growing spending capacity for heavy spend small businesses. The growth & credit policy pillar is focused on growing spend on our high line, manually underwritten population and developing and managing our underwriting credit policy across SBC and CML Card underwriting.

This role in the growth & credit policy team involves developing our SBC & CML Card credit policy and underwriting intent, assessing and evaluating the impact of those policies to fine tune them, exploring new platforms and capabilities, and supporting our credit program analysis and monitoring. The associate will:

• Generate credit decisions to enhance our underwriting credit policy

• Develop monitoring strategies for our SBC & CML portfolio. This includes monitoring customer performance in the context of individual decisions and at the portfolio level.

• Form actionable insights to manage our high line customers by developing frameworks to drive engagement to grow our best customers

• Collaborate and communicate with partners across job families in order to improve experiences and outcomes for customers and other associates

• Partner with product/tech to build out new capabilities and platforms to help us win in the market

The role requires:

• Ability to think strategically and work on whitespace problems

• Strong communication and ability to tell a story through deck

• Ability to learn new technical skills and work across SQL, Python and coding languages necessary for the job

• Ability to partner with other teams such as product, tech, finance, data science, credit risk management

Why work here?

• Business Card & Payments (BC&P) is unique from other areas of Capital One’s business, where innovative solutions are necessary as we seek to emulate our customers’ ability to innovate and problem solve

• You’re making a difference with Small Businesses, they find creative ways to use rewards to grow their business and be better employers

• Through a dedicated workstream, BC&P invests heavily in Diversity, Inclusion & Belonging (DIB)

• BC&P Leaders value investing in Associate development with robust onboarding, which provides context necessary for success and learning opportunities to develop skills and expertise for professional growth

BasicQualifications:

• Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering) 

• At least 2 years of experience in analysis

Preferred Qualifications:

• Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering

• 5+ years of experience in analysis

• 2+ years of experience in financial services

• 1+ year of experience in consulting

• 2+ years of experience in people management

Capital One will consider sponsoring a new qualified 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.

Chicago, IL: $144,000 - $164,400 for Business Manager

McLean, VA: $158,400 - $180,800 for Business Manager

New York, NY: $172,800 - $197,200 for Business Manager

Richmond, VA: $144,000 - $164,400 for Business Manager

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 theCapital 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 RecruitingAccommodation@capitalone.com. 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 Careers@capitalone.com

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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).