Capital One's Governance, Valuations, & Innovation (GV&I) Team is a second line of defense function housed within the Credit Risk & Analytics (CR&A) Division. CR&A is responsible for Risk Governance, Risk Appetite, Credit Risk Policy, and Assurance Exam Management activities for the Commercial Bank. The team's contribution is critical in providing a foundation for sound risk management practices, complying with internal policies and regulations, and exhibiting the overall culture of Capital One.
Role Description
GV&I is seeking a Manager-level associate with a risk management background and experience working with commercial banking policies, regulations, and processes. The individual will partner with innovative and passionate stakeholders across the Lines of Business, Product, Technology, Operations, and Risk to enhance risk governance, controls, processes, and assurance practices, while implementing changes that are strategic and transformative for Capital One.
This opportunity provides for significant professional growth and exposure to senior management. The ideal candidate must be able to effectively communicate and influence partners across multiple functional areas and levels of the organization. Strong data and analytical skills, attention to detail, and the ability to adapt in a dynamic environment are essential to succeeding in this role.
Specific responsibilities include, but are not limited to:
Providing guidance on commercial credit policies, standards, and procedures
Supporting management of the credit policy lifecycle, including drafting policy updates and communicating changes to stakeholders
Administering credit approval and credit exceptions processes and policies through day-to-day management
Formulating and implementing solutions, leveraging technology to enhance credit processes
Drafting materials, developing communications, and providing training related to change initiatives
Leveraging data to provide insights that enable stakeholders to make data-based decisions
Performing research on regulatory interpretation and leading industry practices relating to commercial lending
Providing guidance on applicability of regulatory and policy requirements
Evaluating Internal Audit, Regulatory Exam, and self-identified issues and events for compliance and policy impacts
Working closely with associates across Capital One, including: Lines of Business, Product, Technology, Operations, and Risk
Promoting GV&I's learning and culture by facilitating continuous learning activities and team interactions
Desired Skills:
Self-starter with a background in risk management, compliance, or credit underwriting
Understanding of commercial banking activities and the three lines of defense framework
Ability to organize, prioritize, and manage multiple projects and deliverables
Solid analytical, research, and investigative skills (e.g., researching laws/regulations, internal policies and procedures, etc.)
Strong data and analytical competencies
Effective verbal and written communication skills, including the ability to prepare refined presentation materials
Aptitude for synthesizing complex issues into a clear and concise summary
Keen attention to detail
Proactive and results-oriented
Independent problem-solver with ability to navigate ambiguity
Ability to establish credibility, trust, and support within all levels of the organization
Willing to learn, adapts easily to change, and confident with diverse thinking
Knowledge and experience using Google Workspace (e.g., Sheets, Slides, Docs)
Proficiency in Python and/or Javascript
Basic Qualifications:
Bachelor's degree or military experience
At least 6 years of experience in risk management, compliance, or credit underwriting at a financial institution or consultancy firm
At least 2 years of experience working with SQL databases such as Snowflake and data visualization applications such as Tableau or AWS QuickSight
Preferred Qualifications:
Master's degree in Business Administration, Juris Doctor degree or other Master's degree
8+ years of experience in credit risk management or commercial banking
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 theCapital 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 committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable 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.If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
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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).
