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Credit Review Senior Manager, Horizontal Transformation Lead Credit Review at Capital One is responsible for conducting independent, risk-based assurance work within Capital One’s credit portfolios, including credit cards, auto, unsecured loans, and commercial loans. This includes assessing credit-related strategies, practices, models, and governance across the first and second lines of defense. The Credit Review Senior Manager, Horizontal Transformation Lead will collaborate cross-functionally to define and execute the vision and key focus areas for operational excellence and process optimization. This role will also be responsible for accelerating Credit Review's AI-transformation by utilizing tools such as Generative AI-enabled chatbots, Agentic AI and Autonomous Workflows. The work is critical to maintaining our competitive advantage as a best-in-class function.
Job Responsibility
Oversee the strategic alignment and optimization of cross-functional processes to help ensure operational excellence, drives efficiency, and translates transformational strategy into scalable procedures
Proactively identify opportunities and lead critical, cross-functional transformation projects, defining scope, stakeholders, and resources for timely delivery
Serve as a key thought partner for process improvement and innovation, optimizing operating rhythms, enablement, and engagement
Develop and execute an AI transformation strategy and implementation roadmap for the department
Work closely with functional leaders within Credit Review to identify and lead areas where automation and/or AI have the highest leverage (use cases)
Partner with a cross-functional team of credit risk experts, data scientists, data analysts, and product managers to develop and deploy AI use cases
Track and drive prioritization of AI use cases for the group
Stay in sync with other groups in the firm regarding Gen AI transformation, sharing insights and providing thought leadership to the Credit Review teams
Stay current on methods, technologies, and applications in the area of Gen AI and seek out opportunities to apply them
Provide updates to the Credit Review leadership team regarding progress of Gen AI and automation enhancements
Requirements
Bachelor's Degree in Engineering, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, a related quantitative field, or military experience
At least 5 years of experience performing consumer or account-level data analytics
At least 5 years of experience in automation, software development, or product management
At least 5 years of experience in credit risk analytics or modeling in a Fortune 500 financial institution
At least 5 years of experience influencing senior-level executives
Nice to have
Interdisciplinary work experience in the area of consumer lending risk analytics, commercial lending risk analytics, data analysis, and modeling
Prior experience in a third-line assurance function in a large bank
Proficiency in Python, SQL, Tableau, AWS, and Snowflake
Prior experience of leading transformational changes in a large organization
What we offer
Performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
comprehensive, competitive, and inclusive set of health, financial and other benefits