Senior Consumer Credit Review Manager

Capital One
McLean, Virginia, United States
Mar 10, 2023
Apr 09, 2023
Full Time
Center 1 (19052), United States of America, McLean, Virginia

Senior Consumer Credit Review Manager


The Credit Review Senior Manager is responsible for executing an independent, risk-based assurance review of assigned platforms within Capital One's Consumer credit portfolio, including assessment of credit practices, effectiveness of policy implementation and risk governance. The portfolios include domestic Branded Cards. The Senior Manager will contribute towards the execution of the annual Credit Review operating plan by executing reviews of credit processes or products, performing monitoring of credit trends and credit changes in the assigned portfolios and providing independent overview of the assigned portfolio Credit Risk profile. This associate will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management.

General Responsibilities

Execute the Credit Review function by:
  • Executing a risk-based review plan covering consumer line(s) of businesses
  • Assessing the accuracy of overall portfolio asset quality
  • Identifying credit process weaknesses
  • Identifying emerging trends and issues
  • Identifying gaps in credit policy
  • Tracking of identified issues to resolution
  • Communicating Credit Review assurance results with exceptional verbal and written communication skills, demonstrating strong clear thinking and succinct delivery of message
  • Reporting results and issues verbally and in writing to executive management and internal credit and risk senior executives.
  • Working with regulators and external auditors to provide assurance that Credit Review processes are sound.
  • Building and maintaining high trust relationships with senior credit risk management, senior lending associates, and regulators
  • Acting as an approachable advisor to business partners by developing continuous and effective communication channels for all stakeholders
  • Showing ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results

Basic Qualifications:
  • Bachelor's degree or military experience
  • At least 7 years of experience in consumer credit risk management
  • At least 3 years experience with influencing senior level executives or regulators

Preferred Qualifications:
  • Master's degree
  • CFA, CPA
  • Formal Credit Training from a large national or regional bank or equivalent training in a regulatory office (e.g. OCC, Federal Reserve)
  • Proven analytical skills
  • Ability to think strategically and prioritize

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 the Capital One Careers website . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

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, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, 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.

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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).

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