Senior Manager, Product Manager, Move & Manage Decisioning
At Capital One, we believe great products begin with a deep understanding of our customers. From our earliest days, we pioneered the use of predictive modeling to individually personalize credit card offers, turning the entire industry on its head. As we’ve grown bigger, we’ve found more and more ways to use technology and face-to-face conversations to understand the human problems associated with money and finances.
In the Consumer Bank, we’ve combined this human-centered approach with our heritage of data-driven decision making to design, build and test our way to truly enabling financial experiences. We’ve challenged ourselves to spend less time planning, more time doing, and, above all else, to see the world through the eyes of our customers as they work to understand and manage their money.
Are you passionate about improving the way people interact with their money? Are you driven by the delight you bring to customers? Do you keep asking, “why,” until you hit the root? It’s common to fall in love with solutions, but have you ever fallen in love with the problem? Do you have an opinion on whether shipping is more important than perfection? Do you have a healthy dose of skepticism for the impossible? If you’re nodding your head, then we want you!
**About the Team: **
At the heart of any bank account, customers move and manage their money—transferring money between their accounts, wiring money to purchase a home, and more. At the same time, bad actors are constantly evolving to scam or steal from our customers. Our mission is twofold: make it seamless for good customers to use their account day in, day out, while making it impossible for those bad actors to get in.
To accomplish this, we build the intelligent data-driven brain behind those customer experiences, managing the policies, models, and data integrations that power our automated decisions. We also design empathetic, trust-building experiences for customers and associates when a decision requires a human touch. We are a team of strategists, builders, and customer advocates who thrive on solving complex problems at the intersection of technology, data, and human experience.
Role Overview:
The Move & Manage Decisioning Product Manager will focus on protecting customers from account takeover and scams in key customer experiences. This role will be responsible for working across engineering, business analysts, data science, and with partner teams to craft journeys that aim to perfectly predict the potential risk, and guide customers and associates after an automated decision flags them for risk.
This is a highly collaborative role, who will work closely with product managers across Capital One in the Retail Bank and Enterprise teams, designers, engineers, data scientists, operations, and business partners to continue to evolve our strategy.
On any given day in the Bank you’ll be:
- Empowered. Part of a team driving the bank’s omni-channel acquisitions strategy responsible for setting and delivering the decisioning and treatment framework to ensure our business is gaining profitable customers through both digital and digital-human interactions
- Learning constantly. Work deeply with customers, frontline associates, designers, technologists, analysts, marketers and data scientists to build cutting edge solutions
- Innovating relentlessly. Pushing big change by asking bold questions; starting small, testing, and learning your way to something dramatically better
- Sharing openly. Telling stories that change the way people think about building products and solving problems, and that illustrate the power of what software can do to make them even better
- Connecting creatively. Jump-starting a self-supporting community by sowing the right seeds, building the right tools, integrating the right off-the-shelf products, and just plain elbow grease
- Succeeding strategically. Solving the right problem and holding on the wrong one.
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, specifically within a modern data ecosystem (e.g., cloud-based data platforms, APIs, real-time data flows).
- Integrated Problem Solving - Identifies and resolves complex problems to deliver outcomes while mitigating product risks, including those related to data quality, data governance, and data pipeline efficiency.
- Transformational Leadership - Leads and develops cross-functional teams to solve customer problems and drive organizational alignment, championing data-driven decision making and fostering a culture of data literacy. This includes direct management and mentorship of product managers.
Basic Qualifications:
At least 5 years of experience working in Product Management
At least 2 years of experience leading and managing a team of product managers
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 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)
- A 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) or an MBA with a quantitative concentration
Preferred Qualifications:
- Experience translating business and/or data strategy and analysis into consumer facing digital products
- Deep understanding of data management principles, data governance frameworks, and data lifecycle management
- Experience with large-scale data platforms, data warehousing, data lakes, or real-time data streaming technologies
- Proven ability to define and drive multi-year product roadmaps
- Experience collaborating with product managers, data analysts, data scientists, and data engineers as both data producers, and consumers
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: $200,700 - $229,100 for Sr. Mgr, Product Management
New York, NY: $219,000 - $249,900 for Sr. Mgr, 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.
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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).