Credit Review Senior Manager, Horizontal Transformation Lead
Credit Review at Capital One is responsible for conducting independent, risk-based assurance work within Capital One’s credit portfolios, including credit cards, auto, unsecured loans, and commercial loans. This includes assessing credit-related strategies, practices, models, and governance across the first and second lines of defense.
The Credit Review Senior Manager, Horizontal Transformation Lead will collaborate cross-functionally to define and execute the vision and key focus areas for operational excellence and process optimization. This role will also be responsible for accelerating Credit Review's AI-transformation by utilizing tools such as Generative AI-enabled chatbots, Agentic AI and Autonomous Workflows. The work is critical to maintaining our competitive advantage as a best-in-class function.
Responsibilities:
Oversee the strategic alignment and optimization of cross-functional processes to help ensure operational excellence, drives efficiency, and translates transformational strategy into scalable procedures.
Proactively identify opportunities and lead critical, cross-functional transformation projects, defining scope, stakeholders, and resources for timely delivery.
Serve as a key thought partner for process improvement and innovation, optimizing operating rhythms, enablement, and engagement.
Develop and execute an AI transformation strategy and implementation roadmap for the department.
Work closely with functional leaders within Credit Review to identify and lead areas where automation and/or AI have the highest leverage (use cases).
Partner with a cross-functional team of credit risk experts, data scientists, data analysts, and product managers to develop and deploy AI use cases. Track and drive prioritization of AI use cases for the group.
Stay in sync with other groups in the firm regarding Gen AI transformation, sharing insights and providing thought leadership to the Credit Review teams.
Stay current on methods, technologies, and applications in the area of Gen AI and seek out opportunities to apply them.
Provide updates to the Credit Review leadership team regarding progress of Gen AI and automation enhancements.
Basic Qualifications:
Bachelor's Degree in Engineering, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, a related quantitative field, or military experience.
At least 5 years of experience performing consumer or account-level data analytics.
At least 5 years of experience in automation, software development, or product management.
At least 5 years of experience in credit risk analytics or modeling in a Fortune 500 financial institution.
At least 5 years of experience influencing senior-level executives.
Preferred Qualifications:
Interdisciplinary work experience in the area of consumer lending risk analytics, commercial lending risk analytics, data analysis, and modeling.
Prior experience in a third-line assurance function in a large bank.
Proficiency in Python, SQL, Tableau, AWS, and Snowflake.
Prior experience of leading transformational changes in a large organization.
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.
Charlotte, NC: $182,500 - $208,300 for Sr. Credit Review ManagerMcLean, VA: $200,700 - $229,100 for Sr. Credit Review Manager
New York, NY: $219,000 - $249,900 for Sr. Credit Review Manager
Plano, TX: $182,500 - $208,300 for Sr. Credit Review Manager
Richmond, VA: $182,500 - $208,300 for Sr. Credit Review Manager
Riverwoods, IL: $182,500 - $208,300 for Sr. Credit Review Manager
Wilmington, DE: $182,500 - $208,300 for Sr. Credit Review 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 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.
