Senior Director, Product Management-Payments Intelligence

Senior Director, Product Management-Payments Intelligence

Capital One is continually seeking ways to win the front-end of banking to own and grow direct customer relationships. Fintechs are constantly innovating in an effort to use financial accounts, payments and data as a way to engage and monetize customer relationships. The Emerging Payments team plays a crucial role in Capital One's effort to stay at the forefront of the customer relationship -- we build payment capabilities that let customers safely pay any way they want, while ensuring they continue to engage with us directly.

About the Team

Within Emerging Payments, the Payments Intelligence team (PINT) supports this mission -- they run one of our highest-rated platforms in the company, serving dozens of critical use cases across all lines of business. Their primary focus is using transaction data to power unique experiences that will improve consumer engagement, making it easy to understand where you're spending, predicting where you will spend, and giving you tools to manage future spending (via spend controls). This team is also at the forefront of building AI/ML capabilities directly into our features. The PINT team is largely based in NY. They are highly engaged and have a strong team identity (across product, tech and data science); the new leader should be able to build on that.

Responsibilities:

• Provide leadership with a lean towards strategy, product strategy, and cross-LOB influence who is steeped in analytics and exploration. We are looking for someone who can build out long-term destination-backed thinking in partnership with LOBs; and align the enterprise on roles, responsibilities and operating model around transaction data. This role is for someone who thrives in ambiguity and wants to build the "answer to the case".

• Raise the product management bar across our wider Emerging Payments team; and be bench strength for upcoming scope expansion. Hands-on experience in platform and/or data products is a nice-to-have.

• Steer the platform's development to achieve the greatest impact on outcomes for both internal users (product/business managers, developers, AI engineers, data scientists, analysts) and end customers.

• Collaborate closely with technology, data science, strategy, risk, and business teams to deliver immediate value while advancing long-term goals.

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

Basic Qualifications:

• Bachelor's degree in any field and at least 7 years of Product Management experience

Preferred Qualifications:

• Experience translating business strategy and analysis into consumer facing digital products

• Experience with agentic commerce and payments

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. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

McLean, VA: $269,600 - $307,700 for Sr. Dir, Product Management

New York, NY: $294,100 - $335,700 for Sr. Dir, Product Management

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) 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 your total well-being. Learn more at the Capital 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 (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. 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.

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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).