Senior Business Director-Emerging Payments

Overview Senior Business Director-Emerging Payments

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.

As the Senior Director, Chief of Staff and Head of Internal Strategy in Emerging Payments, you are a crucial strategic thought partner and execution leader, directly contributing to the success of the broader Emerging Payments Organization This is a high-impact position that demands a blend of executive strategy, expert communication, and operational excellence. You will be an essential member of the leadership team, responsible for translating the high-level organizational vision into clear, focused, and purposeful ground-level execution, ensuring the organization operates with speed and clarity.

General Responsibilities:

• Strategic leadership:  Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory demands

• Leadership:  May manage and develop multiple analysts.  Coaching and mentoring associates 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 data modeling/analytics

• Marketing:  Lead direct-to-consumer marketing efforts for select products, and strategic intent for products distributed through the retail channel.  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:  Manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently

• Partnership:  Work closely with colleagues across Capital One including:  IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability

• Strategic; analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management

• Strong business judgment, leadership and integrity: They should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business

• Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise. They should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results

• Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills

• Clear results orientation: display an intense focus on achieving both short and long term goals. They should be able to drive and execute an agenda in an uncertain and fluid environment

• Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus 

Basic Qualifications:
• Bachelor’s Degree
• At least 5 years of experience performing quantitative analysis

• At least 5 years of experience performing qualitative analysis

• At least 3 years of experience performing people management

• At least 3 years of experience performing project management

Preferred Qualifications:
• Masters Degree

• 5+ years of experience in people management

• 3+ years of experience in product development

• 3+ years of experience in financial modeling

• 3+ years of experience in economic forecasting

Capital One will consider sponsoring a new qualified 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.

Richmond, VA: $245,100 - $279,800 for Sr Business Director

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).