Commercial Credit Lead, Dealer Commercial Services
M&T BankSalary not specified
Full Time
Senior (5 to 8 years), Expert & Leadership (9+ years)
Business Manager Commercial Credit Risk & Analytics at Capital One
McLean, Virginia, United States
Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries
Requirements
- Bachelor’s Degree in any quantitative field (Business, Math, Statistics, Engineering, etc.)
- Proven track record of decision making and problem solving based on analytics
- Strong quantitative orientation
- Strong business judgment, leadership and integrity
- Solid people leadership experience - ability to build and leverage high-performing teams and business partners
- Strong executive communication skills - impeccable written and oral communication, strategic influencing, interpersonal and negotiation skills
- Clear results orientation - intense focus on achieving short and long-term goals
- Successful track record of thriving in a fast-paced, entrepreneurial and dynamic environment (previous consulting experience is a plus)
Responsibilities
- Provide strategic leadership - develop business strategies driving growth, profitability, and competitive success amid shifting consumer and regulatory demands
- Lead team - manage and develop 1-2 analysts; coach and mentor associates to develop and retain talent
- Product management - develop and implement new product and pricing strategies for lending products; lead product-level modeling/analytics
- Marketing - lead direct-to-consumer marketing efforts for select products and strategic intent for retail channel products; build targeted insights for new customer experiences, technology, and go-to-market strategies
- Credit Risk - drive improvements in credit performance by connecting future trends to historical behavior, creating risk models, and testing hypotheses via monitoring and analysis
- Execution - manage and sequence delivery of business intent, build business requirements, execute product strategy; oversee multiple projects and programs
- Partnership - collaborate with IT, Sales, Operations, Finance, and others to improve quality, volume, service, and profitability
- Act as liaison between Senior Credit Officers, Line of Business, and Risk Rating Modeling team to ensure PD and LGD models are developed, understood, and properly used for credit risk management, pricing, reports, and applications
Skills
Credit Risk
Analytics
Probability of Default
Loss Given Default
Risk Rating Models
Quantitative Modeling
Business Strategy
Strategic Leadership
Product Strategy
Pricing Strategy
Marketing Insights
Capital One
Offers diverse financial products and services
About Capital One
Capital One provides a variety of financial services aimed at making banking accessible and easy for everyone. The company offers products such as credit cards, savings accounts, car loans, and business checking accounts, catering to both individual consumers and small businesses primarily in the United States. Capital One's approach includes user-friendly banking solutions with no fees or minimums for checking accounts, allowing customers to manage their finances more effectively. They generate revenue through interest on loans, credit card fees, and investment banking services. What sets Capital One apart from its competitors is its strong commitment to financial inclusion and literacy, demonstrated through community partnerships and educational initiatives, such as collaborations with Khan Academy. The company's goal is to create a more inclusive financial system and empower customers with the knowledge and tools they need to make informed financial decisions.
McLean, VirginiaHeadquarters
2014Year Founded
$15.9MTotal Funding
IPOCompany Stage
Fintech, Financial ServicesIndustries
10,001+Employees
Benefits
Medical, Dental, & Vision coverage
Onsite Health Centers
Prescription saving with network of local pharmacies
Stock Purchase Plan
Education Assistance
401(k)
Flexible Spending Accounts
Life and Disability insurance
Generous paid time off + corporate & floating holidays
Registered dieticians on site, cooking classes and free virtual fitness classes
Employee Assistance Program
Risks
Increased competition in subscription management tools may dilute Capital One's advantage.
Over-reliance on partnerships could expose Capital One to technological risks.
Departure of key personnel like Joe Rodriguez may affect risk management continuity.
Differentiation
Capital One offers user-friendly banking with no fees or minimums for checking accounts.
The company partners with Khan Academy to provide financial literacy education.
Capital One is the first major U.S. bank to offer subscription management tools.
Upsides
Capital One's mobile app is a model for secure, user-friendly digital banking.
Data sharing with Worldpay enhances payment security and fraud prevention.
Partnerships with fintechs like Minna Technologies improve customer experience.
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