Sr Business Manager - Expense Management Analytics Lead

Sr Business Manager - Expense Management Analytics Lead

Summary:

At Capital One, we believe that small businesses are the backbone of the economy. But managing expenses? That’s often their biggest headache.

We are seeking an autonomous, results driven, Senior Manager of Business Analytics to lead the Expense Management Analytics Team and help enable small businesses to grow their business, rather than managing their business.

You won’t just be a data lead; you will be a strategic partner. You will dive deep into the unit economics of our Expense Management platform, identify friction points in the customer journey, and influence the multi-year roadmap for our Small Business suite. You will define what "success" looks like for our product offering, transforming raw data into a cohesive strategic narrative that guides our investments.

You won't be inheriting legacy models—you will be the master architect of them. You will build comprehensive business valuations from the ground up, integrating complex variables like customer spend patterns, credit risk, and retention loops. You’ll be expected to:

• Develop NPV (Net Present Value) and lifetime value (LTV) models/frameworks that serve as the bedrock for all product decisions.
• You will act as the connective tissue between the team and the broader enterprise. This is a high-visibility position that requires seamless collaboration across diverse teams including, but not limited to:
• Partnering with Capital One Business Travel to quantify the value of integrated booking and expense reporting, creating a frictionless experience for our customers.
• Work hand-in-hand with product and tech leads to ensure our data infrastructure is built to support real-time insights, influencing the technical roadmap to prioritize analytical scalability.
• Translate your customer segment findings into actionable insights for our marketing engines, ensuring our value proposition resonates with the diverse needs of small business owners.
• Your work will directly influence how millions of small business owners manage their daily operations. By owning the analytical story, you provide the clarity needed to innovate. Whether it’s deciding to launch a new rewards tier or integrating a niche travel benefit, your models and your voice will be the deciding factor in how Capital One evolves to meet the needs of the modern business owner.
• Lead a team of analysts to tackle an ambitious strategy while also growing and developing associates.

• Strategic leadership:
  Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behavior.
• Business ownership:
  Have an ownership mindset, and potentially P&L accountability for a business segment. Strategic planning with a 1‑6 month horizon.
• Leadership:
  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 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 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 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:
  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 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…