Senior Credit Risk Analyst
MudflapSalary not specified
Full Time
Mid-level (3 to 4 years)
Senior Associate, Risk Management - Governance, Valuations, & Innovation at Capital One
McLean, Virginia, United States
Not SpecifiedCompensation
Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries
Requirements
- Bachelor’s degree or military experience
- At least 2 years of experience in risk management, risk governance, or credit underwriting at a financial institution or consultancy firm
- Self-starter with a background in risk management, risk governance, or credit underwriting
- Understanding of commercial banking activities and the three lines of defense framework
- Understanding of risk management practices, with interest in deepening knowledge in risk governance, enterprise risk, and commercial credit risk
- Effective verbal and written communication skills, including the ability to prepare 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)
- Strong analytical skills
- Ability to effectively communicate and influence partners across multiple functional areas and levels of the organization
- Ability to adapt in a dynamic environment
Responsibilities
- Supporting the management of credit policy lifecycle, including drafting policy updates and communicating changes to stakeholders
- Assisting stakeholders with policy questions
- Collaborating with stakeholders across the three lines of defense to ensure products and initiatives are in compliance with regulatory and internal policy requirements
- Assisting with ad-hoc projects/initiatives
- Formulating and implementing solutions, leveraging technology to enhance credit processes
- Leveraging data to provide insights that enable stakeholders to make data-based decisions
- Assisting with exam management and the remediation of Regulatory and Internal findings
- Promoting GV&I’s learning and culture by facilitating continuous learning activities and team interactions
Skills
Risk Management
Risk Governance
Credit Risk
Policy Management
Regulatory Compliance
Stakeholder Management
Analytical Skills
Communication
Enterprise Risk
Commercial Banking
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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