The Digital Spend team sits within Premium, Products and Experiences and is looking to hire a Business Analysis Manager to play a crucial role in owning forward-looking strategic initiatives in our space. We are a team of Business Analysts and Product Managers who are focused on building groundbreaking digital payments and spend tools for cardholders. Situated within the Premium Products & Experiences vertical, our team owns the strategies for several marquee products today including:
Virtual cards (which allow cardholders to access and save their spend credentials digitally from the convenience of our App, driving billions of dollars in purchase volume per year)
Subscription management (which allows cardholders to see their upcoming expected subscriptions and recurring charges within our digital app and take action to manage them)
Second Look alerts and purchase notifications (which proactively alert customers to peculiarities in their spend and give them options to remedy)
And even more!
This role, sitting at the intersection of Payments, Fintech, and Card, will be working closely with business and product leadership to drive cross-functional strategies that reshape the way cardholders interact with Capital One to spend on their cards and drive holistic spend incrementality for our Card business. This person would collaborate with leadership to identify and prioritize a deep portfolio of internal and external strategic opportunities, drive integrated problem solving to evaluate those strategic initiatives, and drive investment and strategic cases for new strategies beyond existing product strategy lanes.
Key components of the role will include:
Becoming a subject matter expert in all things consumer-facing payments and Card (including recent developments such as Open Banking and novel fintech innovation)
Serving as an expert on the marketplace, identifying key trends and developments to determine the best strategies that tap into market innovation
Developing a deep understanding of the spend & money management needs of customers, understanding the needs of strategic segments and infusing into strategic decision making
Serving as a strategist and thought leader capable of going from rigorous strategic and business evaluation through to cross-functional socialization and delivery of new strategies
Funneling the expertise and problem solving of a robust group of stakeholders into a clear strategic vision and enterprise alignment, driving stakeholder and leadership management/socialization across functions such as: business analysis, corporate strategy and development, Ventures, product and design strategy, enterprise platform strategy, and more
GeneralResponsibilities:
Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory demands
Leadership: May manage and develop 1-2 analysts. Coaching and mentoring associates with a goal of developing and retaining talent at Capital One
Product: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics
Marketing: Lead direct-to-consumer marketing efforts for select products, and strategic intent for products distributed through the retail channel. Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go-to-market strategies
Credit Risk: Drive step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis
Execution: Manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently
Partnership: Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability
Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management
Strong business judgment, leadership and integrity: He/she should be a tenacious decisionmaker, able to bring a healthy, aggressive, yet responsible approach to business
Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise. He/she should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results
Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills
Clear results orientation: display an intense focus on achieving bothshort and long termgoals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment
Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus
BasicQualifications:
Bachelor's Degree
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.
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 committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable 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
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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).