Job Abstract

Manager, Product Management- Business, Cards and Payments

Small businesses are the backbone of America and a vital part of the economy as a whole. For Capital One’s Small Business Credit Card (SBC) division, we aspire to be the leading small business purchasing program in the United States. This is supported by our passion to help small businesses succeed and drive to fuel the courageous entrepreneurial spirit among our Small Business customers and our Associates. Small businesses have unique spending needs; sometimes opportunities come along that require them to amp up their spending quickly, and they need solutions to help them succeed. But that can be risky for the lender -- how can we support our small businesses without adding undue risks for the company? That’s where this team comes in: our team’s products help our highest line Small Business customers spend what they need while still protecting the company from risk. We do this by using cutting edge technology, real-time data, and the ingenuity of a team of passionate product managers, designers, engineers, data scientists, and analysts working to redefine how millions of customers interact with their money. 

Our team leverages Small Businesses’ data to power Business Cards & Payment products. We are currently focused on getting more businesses to enroll in our data sharing capabilities as well as on coming up with innovative ways to leverage that data - e.g.: We are already leveraging external financial information to improve parts of our Small Business underwriting process.

In this role, you will take ownership for defining and operationalizing some of the company’s most important data. You will work closely with business analysts, engineers, and other cross functional teams to create integrated roadmaps, prioritize development, define metrics and key results, and deliver scalable, quality Data Products that power the company’s most critical experiences.  You will own the scaling of our connected banking products and infrastructure to be automation-ready. Delivering value to our customers while learning and building the capabilities and features required for automated decisioning.  You will be accountable for helping create and then delivering on a strategy for where and how we scale the use of bank data in underwriting. Helping to harness the combined power of external financial data, and other new business data sources to deliver increased PVol and NPV to the business. 

On any given day you’ll be:

Empowered. Part of a team driving innovative change in the way customers are able to manage their small business spending. Learning constantly. Work deeply with credit analysts, technologists, partners and data scientists to build cutting edge solutions that delight our customers through empathy, critical thinking, and listening for unspoken needs Inspired by data. Leveraging data to make real-time decisions that benefit our customers and stakeholders.

Telling stories that change the way people think about building products and solving problems, and that illustrate the power of what software can do to make them even better Managing the business. Our products and technology solutions empower both our customers’ businesses and our business, and you are at the heart of both Succeeding strategically. Solving the right problem and holding on the wrong one; knowing when to say no, and when to say an enthusiastic yes.

Here is what you will bring to the table: Curiosity. You ask why, you explore, you're not afraid to blurt out your crazy idea, or follow an email chain for weeks to find someone with an answer. Passion. You care about growing others and bringing them together around what’s possible. You’ve started meetup groups or taught General Assembly courses because you love enabling others. Communication. You can communicate complex ideas clearly, your team knows their priorities and why they’re doing what they’re doing. Maybe you’re an introvert, or maybe you’re an extrovert, but nobody accuses you of keeping them out of the loop. Collaboration. You’re comfortable moving through technical and non-technical conversations, bringing groups together with different perspectives, but all reaching for the same goal.

In this role, you’ll be expected to demonstrate proficiency in five key areas

• Human Centered 

  • You’ll define clear and actionable problem statements to help teams deliver results while displaying a comprehensive understanding of iterative software delivery, capable of thin-slice MVP grooming

  • You’ll leverage customer insights to influence priorities and roadmap feature development while advocating for and driving alignment between stakeholders in the development of acceptance criteria

  • You’ll obsess over UX/UI patterns and seek to create world class, omni-channel experiences

• Business Focused 

  • You’ll own and prioritize the near-term product roadmap to deliver on business outcomes, quickly identifying points of leverage in complex problems or systems, and utilizing data effectively to define success metrics and measurable outcomes

  • You’ll utilize balanced judgment in decisions about risks of both actions taken and not taken while innovating on ways to iterate faster in a well-managed way for the immediate team

• Technology Driven

  • You’ll understand and leverage technology and end-state architecture vision to partner with technology team to drive comprehensive design decisions out of white space technical problems

  • You’ll share business strategy and roadmap with Tech partners to establish context while also leading and facilitating agile ceremonies alongside Tech Lead

  • You’ll deliver value by creating reusable, extensible and resilient capabilities and proactively identify opportunities when key metrics on security, resilience and performance are not performing

• Integrated Problem Solving

  • Develop and champion a bold vision that drives meaningful outcomes by embracing the art of the possible

  • Build frameworks for complex decision making that enable effective debate and accelerate getting to the right answer

• Transformational Leadership 

  • You’ll develop and communicate a 6-month vision to senior stakeholders and partner teams with accurate details and transparency on risks and impediments, and proactively build relationships with those outside of your immediate team resulting in horizontal influence 

  • You’ll Contribute to team culture and recruiting by leading activities to attract and retain top talent and mentoring and developing junior product associates

Basic Qualifications:

• Bachelor’s Degree or military experience

• At least 3 years of product management experience or at least 3 years of experience in product design, agile delivery, business analysis, data science, or software engineering  

Preferred Qualifications:

• Bachelor’s Degree in Computer Science or Engineering

• MBA or Master’s degree

• 2+ years of experience in Agile product management

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at theCapital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.

No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com

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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).