Senior Business Director - Head of Credit Risk & Fraud
Category Business Analyst
Experience Sr. Director
Primary Address McLean, Virginia
OverviewCenter 2 (19050), United States of America, McLean, VirginiaSenior Business Director - Head of Credit Risk & Fraud
The Credit Risk and Fraud organization in the Commercial Credit Card business at Capital One is responsible for defining and implementing the credit and fraud strategies, working with internal partners, prospects and customers to support Commercial’s Credit Card growth and ensuring we have a scalable, well-managed business.
As a leader of this space, you are responsible for developing risk management strategies, defining our risk appetite, policies and procedures, and leading & managing a team of underwriters, process managers, business analysis and investigators to analyze, assess, and mitigate risk for the Commercial Card business. As a people manager at Capital One, you play a critical role in bringing in the best talent and creating opportunities for our associates to be great through coaching, development, and performance management.
Primary Credit Risk & Fraud Management responsibilities may include:
Partner with business leadership and key stakeholders to establish goals, create and manage underwriting guidelines, evaluate market opportunities so as to contribute to the unit’s profitability and allocate resources appropriately.
Partner with the Credit Risk Management (CRM) organization to foster an environment of open dialogue around risk tolerance and credit appetite.
Maintain portfolio quality by assisting in the underwriting of loans and in the development of loan modifications and strategies.
Maintain a strong working knowledge of the business, its customers, loan portfolio, competitive environment, economic trends and policies.
Schedule and conduct periodic portfolio and industry reviews to forecast and identify emerging problems within the portfolio
Identify potential structural enhancements in order to improve the credit and reduce risk exposure.
Develop the strategy for stopping credit card fraud from happening, ensuring our customers are taken care of when they are impacted, and minimizing the overall financial impact of fraud on Capital One.
Partner with the Enterprise Fraud organization to collaborate on strategy and capability development, joint implementations and achieve alignment on company-wide policies.
Directly lead a team of analysts, process managers and investigators and have ownership of fraud loss P&L.
Monitor fraud trends and develop short, medium and long term strategies to be a leader in the industry and partners with product and tech teams to deliver these strategies.
Support Capital One’s journey to deliver a faster, easier, and more digital set of customer experiences.
Demonstrate subject matter expertise for specific line of business, including attending and participating in industry workshops, conferences, etc.
Encourage an atmosphere of urgency toward meeting customer’s needs and providing excellent customer service.
Promote appropriate application of all policies and procedures; support and drive adherence to regulatory compliance requirements
Primary Leadership Responsibilities may include:
Responsible for developing and managing a diverse team engaged in the underwriting, structuring, and closing of credit card deals, as well as stopping credit card fraud from happening.
Craft a strategic plan & vision, oversee the identification and execution of critical process improvements
Responsible for recruiting, training, performance management, rewards and recognition – in accordance with our company values.
Cultivate a positive work environment by ensuring all team members are properly challenged and motivated and play an integral role in the team’s productivity through an effective and equitable allocation of assignments.
Develop high caliber associates through on-going mentoring, coaching and career development planning.
Bachelor’s Degree or Military Experience
At least 10 years of experience in analysis
At least 10 years of experience in credit underwriting or at least 10 years of experience in portfolio management
Previous formal leadership experience
Master’s Degree in related field - economics, finance, or business
At least 12 years of experience in credit underwriting or at least 12 years of experience in portfolio management
Subject matter expertise in specific industry or segment
Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.No agencies please. Capital One is an Equal Opportunity Employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, federal, state or local law. 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
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).
How We Hire
We take finding great coworkers pretty seriously.
Step 1 Apply
It only takes a few minutes to complete our application and assessment.
Step 2 Screen and Schedule
If your application is a good match you’ll hear from one of our recruiters to set up a screening interview.
Step 3 Interview(s)
Now’s your chance to learn about the job, show us who you are, share why you would be a great addition to the team and determine if Capital One is the place for you.
Step 4 Decision
The team will discuss — if it’s a good fit for us and you, we’ll make it official!
How to Pick the Perfect Career Opportunity
Overwhelmed by a tough career choice? Read these tips from Devon Rollins, Senior Director of Cyber Intelligence, to help you accept the right offer with confidence.
Your wellbeing is our priority
Our benefits and total compensation package is designed for the whole person. Caring for both you and your family.
Healthy Body, Healthy Mind
You have options and we have the tools to help you decide which health plans best fit your needs.
Save Money, Make Money
Secure your present, plan for your future and reduce expenses along the way.
Time, Family and Advice
Options for your time, opportunities for your family, and advice along the way. It’s time to BeWell.
Here’s how the team fits together. We’re big on growth and knowing who and how coworkers can best support you.
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