Consumer Credit Review Senior Manager

Overview

The Consumer Credit Review Senior Manager is responsible for executing independent, risk-based assurance reviews within Capital One's Consumer credit portfolios (card and auto). This includes assessment of credit strategies and practices, effectiveness of policy implementation and risk governance. The Senior Manager will contribute to the annual Credit Review operating plan by leading reviews of credit processes or products, performing monitoring of credit trends and changes in the assigned portfolios and in horizontal reviews.

Through planned reviews and continuous monitoring activities the Senior Manager will be exposed to a broad spectrum of lending activities (acquisition, customer management, etc.) managed by the first and second lines of defense. They will provide effective challenge to Accountable Executives in a constructive manner to drive positive changes and business impact. The associate will also be responsible for building and maintaining working relationships with line of business management and key associates within the risk management organization.

• Conduct risk-based reviews covering consumer line(s) of businesses
• Identify credit process weaknesses
• Identify emerging trends and issues
• Perform independent data analysis to support or identify gaps in credit policies
• Track identified issues to resolution
• Communicate Credit Review assurance results with exceptional verbal and written communication skills, demonstrating clear thinking and succinct delivery of message
• Report results and issues verbally and in writing to executive management and internal credit and risk senior executives
• Work with regulators and external auditors to provide assurance that Credit Review processes are sound
• Build and maintain high-trust relationships with credit risk executives, associates, and regulators
• Act as an approachable advisor to business partners by developing continuous and effective communication channels for all stakeholders
• Demonstrate business leadership and partnering skills to help drive the organization toward critical decisions and deliverable results

• Bachelor's degree or military experience
• At least 7 years of professional business and data analysis experience
• At least 3 years of experience in consumer lending (credit card and auto loans) credit risk policy, risk analytics or strategy development
• At least 3 years of experience influencing senior-level executives or regulators

• Master's Degree
• Consumer credit training from a large national or regional bank or equivalent training in a regulatory office (e.g., OCC, Federal Reserve)
• Credit risk modeling, audit or assurance experience

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. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Salaries for locations listed:
Chicago, IL;
McLean, VA;
New York, NY;
Plano, TX;
Richmond, VA;
Wilmington, DE. The actual offer will reflect the candidate's location.

Chicago, IL: $175,500 - $200,300 for Sr. Credit Review Manager
McLean, VA: $193,000 - $220,300 for Sr. Credit Review Manager
New York, NY: $210,500 - $240,300 for Sr. Credit Review Manager
Plano, TX: $175,500 - $200,300 for Sr. Credit Review Manager
Richmond, VA: $175,500 - $200,300 for Sr. Credit Review Manager
Wilmington, DE: $175,500 - $200,300 for Sr. Credit Review Manager

Candidates hired to work in other locations will be subject to the pay range associated with that location. The actual annualized salary amount offered will be reflected in the candidate's offer letter. This role is also eligible to earn performance-based incentive compensation, which may include cash bonuses 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 total well-being. Learn more at the Capital One Careers website.…