Sr Business Manager - UMCLIP Valuations

Sr Business Manager - UMCLIP ValuationsAs a Senior Manager, Business Analysis at Capital One, you will apply your strategic and analytical skills to major company challenges. You will lead and team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you'll 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 Upmarket Line of Business (LOB) is seeking a dynamic Senior Manager or Director to lead the Upmarket CLIP (Credit Line Increase Program) Valuations team. The Upmarket CLIP program is on an incredible growth trajectory, currently granting $10B+ in annual exposure and generating $1B+ in Net Present Value (NPV). This program is uniquely full-spectrum, managing everything from ~$500 credit lines to premium $100k+ lines at the top of the market.

This wide-ranging complexity requires Advanced Credit Infrastructure to effectively manage, optimize, and monitor the business. In this role, you will lead a talented team of 4–5 Model Developers (MDs) and serve as the strategic architect for our long-term valuations infrastructure. Positioned directly within the Upmarket LOB, this role provides consistent, heavy exposure to the credit and business strategy driving our growth. It is an ideal opportunity for an experienced modeler looking to gain business leadership exposure, or a highly technical business analyst looking to deepen their modeling expertise.While we are looking for a diverse range of talents, our ideal candidate brings a unique blend of technical expertise and strategic business acumen, including:Strategic & Tech-Forward Mindset: Experience driving strategy in management consulting, Tech, or FinTech environments is preferred.Technical Education & Fluency: An academic foundation in a quantitative or engineering discipline. You must be highly technical and comfortable getting into the weeds to mentor and assist your team of Model Developers.Hands-on Modeling Experience: Proven experience building models, with proficiency in Python.Bonus Points (Nice-to-Haves): Practical experience with AI use cases is a plus.General Responsibilities:Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behaviorBusiness ownership: Have an ownership mindset, and potentially P&L accountability for a business segment.

Strategic planning with a 1-6 month horizonLeadership: May manage and develop a team of analysts. Coaching and mentoring associates throughout the organization with a goal of developing and retaining talent at Capital OneProduct: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analyticsMarketing: Lead direct to consumer marketing efforts for select products, and strategic intent for products distributed through various channels. 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 strategiesCredit 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 analysisExecution: Coordinate across the line of business to manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrentlyPartnership: Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitabilityStrategic & 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 managementStrong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to businessSolid 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 resultsStrong 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 skillsClear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environmentSuccessful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plusBasic Qualifications:Bachelor's DegreeAt least 3 years of experience performing quantitative analysisAt least 3 years of experience performing qualitative analysisAt least 1 year of experience performing people managementAt least 1 year of experience performing project managementPreferred Qualifications:Master's Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering5+ years of experience in quantitative analysis5+ years of experience in qualitative analysis2+ years of experience in people management2+ years of experience in product development2+ years of experience in financial modeling2+ years of experience in economic forecasting2+ years of experience in project management