Senior Business Manager - Card Loss Forecast

About the organization:
The Loss Forecasting and Allowance team resides within our Consumer Card Risk Management Organization and is focused on delivering credit loss forecasts to our Consumer Card businesses (US Card, Canada and UK). This ultimately impacts LOB-wide planning and P&L considerations and directly feeds into company wide earnings. The broader team also works on the annual Stress Testing exercise and a variety of credit performance monitoring activities that help keep senior leaders informed on the state of credit.

The team environment is collaborative, engaging, and offers ample opportunities for meaningful contributions to the highly visible work we do.

As 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.

This role sits on the Card Allowance team which produces a quarterly expectation for expected lifetime credit losses (i.e. the reserve for loans we expect not to be repaid, under GAAP accounting standards). This has direct impacts on the consolidated P&L impacts of the business and is frequently discussed in the context of company wide earnings. This work entails analytical rigor, technical savvy, and sound judgement to create forecasts that are ultimately shared by our team to executive level senior stakeholders across the company.

In doing so, you will work alongside driven teammates and a variety of cross‑functional teams (Accounting/Finance, Capital Risk, firstline business teams, among others) to build out a robust and well‑informed product. Additional aspects of this role include managing a team of high‑performing associates; 'quarterbacking' of our quarterly process (both within our team and across partner teams) on execution/governance/second‑line challenges; being a thought partner in strategic team planning;

gaining familiarity with the underlying models and data, engaging with first‑line teams and key stakeholders throughout the quarter and identifying areas to improve our processes and forecasts.

• 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…