Senior Manager, Product Manager- Controls Lead; Business Cards & Payments

Senior Manager, Product Manager
- Spend Controls Lead (Business Cards & Payments)

Business Cards & Payments (BC&P) | Build the Future.

At BC&P, we bring a builder's mindset to work, just like the business owners we serve. Small businesses are a different kind of customer. They're the people turning ideas into opportunities, and opportunities into livelihoods. When we build for them, we build something bigger. That's why we have a high bar for quality. We own the work end to end, turning today's insights into tomorrow's results, together.

• We're relentlessly curious.
• We ask the hard questions.
• We make space for the best ideas to win.

Because that's how we create impact we can be proud of.

In BC&P, we are looking for a Product Manager with a demonstrated interest and aptitude for Al. While formal on-the-job experience with Al is a plus, we highly value candidates who have proactively incorporated Al into their personal projects, explored Al-driven development environments (e.g., Cursor, Claude Code, Git Hub Copilot), or built automations using Al agents. Show us how you've used Al to learn, build, and solve problems beyond basic text generation.

We're hiring a Senior Manager, Product Manager to lead our Spend Controls Team within the Employee Spend pillar of Business Cards & Payments
. Employee Spend owns the end-to-end job of helping small business owners put spending power in their employees' hands without losing control over how it's used, spanning everything from card issuance and policy setup, to real-time spend oversight, to expense reconciliation. Spend Controls owns the 'oversee and control' half of that job: pre-authorization spend limits, virtual card controls (VCN), category and merchant-level policies, and the real-time decisioning that determines whether a transaction should go through before it ever clears.

This is one of our most strategically important investment areas. It’s a core capability that differentiates Capital One's small business card products from competitors who only offer post-purchase expense review, and it's a foundational building block for our next‑generation small business cards and software.

In this role, You'll lead a team of product managers and analysts driving our pre-auth spend controls roadmap, our card management and VCN strategy, and the technical migration of our spend‑limit decisioning platform onto modern infrastructure. You'll partner closely with engineering, design, risk, and our Enterprise platform partners to ship controls that actually change customer behavior - not just policies that exist on paper.

This role reports to the Director of Product, Employee Spend, and sits alongside a peer Expense Management team; the two teams share a single roadmap and prioritization forum, since the differentiated customer experience we're building depends on both halves working as one connected product.

Capital One Product Framework

In this role, you’ll be expected to demonstrate proficiency in five key areas which we consider to be the foundation for successful Product Management:

• Human Centered - Obsesses about internal and external customer needs to reimagine and innovate product solutions
• Business Focused - Delivers game‑changing outcomes by focusing on leverage and execution excellence
• Technology Driven - Leverages technology to deliver innovative and resilient solutions that enable both near term and long term value
• Integrated Problem Solving - Identifies and resolves complex problems to deliver outcomes while mitigating product risks
• Transformational Leadership - Leads cross functional teams to solve customer problems and drive organizational alignment

• Currently has, or is in the…