Senior Associate, Product Management - US Card

Senior Associate, Product Management - US Card

Product Management at Capital One is a booming, vibrant craft that requires reimagining the status quo, finding value creation opportunities, and driving innovative and sustainable customer experiences through technology.

Product Management at Capital One is a booming, vibrant craft that requires reimagining the status quo, finding value creation opportunities, and driving innovative and sustainable customer experiences through technology.

About the Team

As the oldest and largest Line of Business at Capital One, US Card is the engine that powers our enterprise. Within US Card, the Customer Services & Strategy teams don’t just maintain the status quo—we are actively rewriting the playbook for how a modern bank operates. We build technology-led, data-driven products across Fraud, Recoveries, Collections, and Digital Servicing to deliver personalized, empathetic customer experiences at a massive scale.

Join the engine room of Capital One’s customer experience. We are seeking strategic, technically-minded Product Managers to lead mission-critical platforms that power billions of interactions. From managing massive data ecosystems to building the interfaces our global agents use every day, you will drive the "under-the-hood" innovation that makes seamless banking possible.

We currently have multiple high-impact roles and are seeking high-caliber Senior Associate Product Managers to join our team. By applying to this role, you will be considered for critical initiatives across our core ecosystems. While each role has a unique focus, they all share a common goal: building scalable, well-managed, and data-driven solutions.

As a Senior Associate PdM, you will own the translation of grand business vision into flawless technical execution. Depending on the role, your day-to-day will include:

• Platform & Data Modernization: Partner with Tech and Data Engineering to decommission legacy systems, refine next-gen data products, and build robust, foundational data capabilities.
• Strategic Roadmapping: Define the MVP, ruthlessly prioritize the post-migration backlog, and build airtight business cases for what your team should tackle next and why.
• Cross-Functional Leadership: Act as the ultimate bridge between Business Analysts, Tech, Ops, Risk, and Design to deliver transformative customer outcomes.
• Risk & Controls Management: Collaborate with stakeholders to design and implement a modernized suite of preventative controls directly into our platform architecture.

About the Roles

Here are just a couple of examples of our open Product Management roles:

• Card Recoveries Platform: Help us deliver the next generation of the Recoveries platform that is the foundation of our $3 billion Recoveries business. Your work on this platform will help accelerate new product launches, increase recovery rates, and meaningfully change the trajectory of our customers’ path back to credit.

• Payments and Offers Capabilities: Our Customer Resiliency offer programs serve as the vital framework through which we empower customers to resolve outstanding balances, frequently by extending significant concessions to those facing the most acute financial pressures. With millions of individuals engaging with these programs annually, your work will directly impact a massive population, guiding them through periods of instability toward a future of sustainable credit health.

• Agent & Customer Assist Platform (AI & Servicing): Accelerate the evolution of our comprehensive, AI-leveraged source of truth for all Card servicing policies. You’ll build and scale the intelligent tooling that empowers agents and digital channels to assist millions of customers daily.

• Credit Bureau Disputes: Drive delivery for our Card Credit Bureau Disputes team, ensuring data integrity, compliance, and frictionless user experiences during critical financial moments.

• Fraud & Disputes Back Office: Help drive the core backend technology that facilitates the intake, management, and resolution of Capital One customers’ problems with their transactions. In this role you will lead the strategy and delivery, define overarching product priorities, align on definitions of success, and partner with others across the team to ruthlessly prioritize backlog and build airtight business cases for what your team should tackle next and why, and more.

In this role, you’ll learn the essentials of being a product manager, and we’ll invest in you to grow in four key areas:

• Human Centered
  • You’ll collaborate with tech teams to build comprehensive acceptance criteria, identifying and elevating any need for additional research to define future feature design
  • You'll breakdown business epics into features and further into user stories, driving your team towards lowest effort or Minimal Viable Product (MVP) for a valid feature test

• Business Focused
  • Demonstrating a growth mindset, you’ll effectively use hypothesis-driven assessment of data to ensure your product or feature delivers on real business needs
  • You’ll own and prioritize feature development roadmaps, ensuring all necessary processes and procedures are followed to manage risk

• Technology Driven
  • You’ll work autonomously in an agile environment, to conduct research and develop features that utilize new and evolving technology
  • You’ll collaborate with designers, technologists, data scientists and subject-matter experts to build cutting edge solutions to help customers
  • You’ll deliver well-managed product platforms for customers by seeking to understand technology trends and architecture strategy

• Transformational Leadership
  • By actively participating in horizontal forums, you’ll harness a network of trusted relationships among tech teams, designers, key internal stakeholders and partner teams
  • You’ll articulate a succinct product roadmap to deliver business value and share with with stakeholders, elevating your team’s results and becoming a product matter expert

We want you if you are:

• Intellectually Curious. 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. Comfortable with ambiguity, a hunger to learn and a seeker of new challenges
• Communicator & Influencer. You can communicate complex ideas clearly regardless of your audience. Our team knows their priorities and why they’re doing what they’re doing. You always can rally associates to work with you
• Do-er. You’re biased toward action, you try things and sometimes you fail. You can get around roadblocks and stay focused on your goals. You’re well organized, able to multitask and able to prioritize your work
• Passionate & Customer Focus. You care about growing others and bringing them together around what’s possible. You get a thrill from the journey of building and shipping products, and you have a desire and ability to connect with our external or internal customers to fully understand their needs
• Learner. You have an appetite to learn new things or new technologies all while exhibiting humbleness when the time comes to ask for help
• Team Player. You enjoy working with diverse people and driving the team toward a common goal. You have the ability to put the team before yourself and establish long-lasting relationships

Basic Qualifications:

• Bachelor’s degree or military experience
• At least 1 year of product management experience or at least 1 year of experience in product design, agile delivery, business analysis, data science, or software engineering

Preferred Qualifications:

• Bachelor’s degree in computer science or engineering
• 1+ years translating business strategy or analysis into consumer facing digital products
• 1+ years of experience working on core product platforms powering digital experiences
• 1+ years working with cross functional teams as a product owner in an agile development process

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.

Chicago, IL: $101,100 - $115,400 for Sr. Associate, Product Management; $149,800 - $171,000 for Manager, Product ManagementMcLean, VA: $111,200 - $126,900 for Sr. Associate, Product Management; $164,800 - $188,100 for Manager, Product ManagementNew York, NY: $121,300 - $138,400 for Sr. Associate, Product Management; $179,700 - $205,100 for Manager, Product ManagementRichmond, VA: $101,100 - $115,400 for Sr. Associate, Product Management; $149,800 - $171,000 for Manager, 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).