Senior Business Manager, Retail Bank Pricing and Product Strategy – Savings Team Lead

Senior Business Manager, Retail Bank Pricing and Product Strategy – Savings Team Lead Join the team driving the future of our Retail Bank. As the Senior Business Manager on the Savings Product & Pricing team, you will manage a dedicated team to optimize pricing, accelerate deposit growth, and execute a forward-looking product roadmap. You will play a pivotal role in integration, customer experiences, and the launch of next-generation savings solutions that define our market position.

Key Responsibilities Include: Strategic Leadership & Product Roadmap Visionary Planning: Lead the Savings pricing and product strategy lane, developing a multi-year roadmap that defines our "future state" offerings. New Product Innovation: Direct the end-to-end launch of a new Savings product, targeting Q1 2027. Product Growth Agendas: Develop dedicated growth strategies and product agendas for each of our Savings products, including 360 Performance Savings and our Kid’s Savings product.

Pricing & Growth Optimization Dynamic Pricing: Lead the interest rate strategy for Savings products, taking into account competitor game theory and balancing our deposit growth needs with profitability targets. Segmentation: Advance our deposit growth segmentation framework to drive towards a future with more segmented product, pricing, and marketing strategies. Customer Integration & Experience Improvement Strategic Integration: Partner with the integration team to provide seamless customer experiences and to maximize deposit retention during savings migration waves.

Customer Experience (CX): Collaborate with Product partners to identify, size, and prioritize enhancements to the digital and product experience. Analytics & Market Intelligence Trend Analysis: Monitor macro-economic trends, industry benchmarks, and competitor moves to proactively adjust our growth strategies and forecasts. Forecasting Enhancements: Analyze deposit flow trends and collaborate with Data Science and Forecasting teams to refine and improve the accuracy of our predictive models.

Strategic Partnerships: Lead high-impact collaborations across different lines of businesses and stakeholders including Finance, Balance Sheet Management, Data Science, Corporate Strategy, and Legal/Compliance. General Responsibilities: Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behavior Business ownership: Have an ownership mindset, and potentially P&L accountability for a business segment. Strategic planning with a 1-6 month horizon Leadership: May manage and develop a team of analysts.

Coaching and mentoring associates throughout the organization with a goal of developing and retaining talent at Capital One Product: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics Marketing: Lead direct to consumer marketing efforts for select products, and strategic intent for products distributed through various channels. Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go-to-market strategies Credit Risk: Drive step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis Execution: Coordinate across the line of business to manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently Partnership: Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics.

Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management Strong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise. He/she should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills Clear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment.

Previous consulting experience is a plus Basic Qualifications: Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering) At least 2 years of experience in quantitative analysis At least 2 years of experience in qualitative analysis At least 1 year of experience in people management At least 1 year of experience in project management Preferred Qualifications: Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering 5+ years of experience in quantitative analysis 5+ years of experience in qualitative analysis 2+ years of experience in people management 2+ years of experience in product development 2+ years of experience in financial modeling 2+ years of experience in economic forecasting 2+ years of experience in project management Capital One will consider sponsoring a new qualified applicant for employment authorization for this position. The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting.

Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. McLean, VA: $200,700 - $229,100 for Sr. Business Manager Wilmington, DE: $182,500 - $208,300 for Sr.

Business Manager Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

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.

This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws.

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 Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. 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).