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Capital One Director of Product - Data, Credit Infrastructure, and Machine Learning in Cambridge, Massachusetts

314 Main Street (21020), United States of America, Cambridge, Massachusetts

Director of Product - Data, Credit Infrastructure, and Machine Learning

Product Management

Product Management at Capital One is a booming, vibrant craft that requires reimagining the status quo, finding value creation opportunities, and driving innovative and sustainable customer experiences through technology.

We believe our portfolio of businesses and investments in growth and transformation will result in a company with the scale, brand, capabilities, talent, and values to succeed as the digital revolution transforms our society and our industry.

Capital One is looking for a Product Director to build out the next generation of digital experiences and lead the company through the next stage of growth led by technological innovations. You will collaborate with Designers, Developers and others across the business to invent features and experiences that make Capital One even more engaging for both dealers and consumers.

As a product director, you’ll be working with senior product leaders to discover and shape new product and business opportunities across impactful areas of consumer finance. We use human-centered design techniques, and we always keep the customer at the heart of our work. We’re moving our product development process to a dual-track agile model, ensuring that product research and discovery is continuous throughout delivery.

You’ll lead one or more cross-functional product teams to define roadmaps, drive delivery and discovery activities, and put next-generation consumer financial products in the market. Some of these products may be in partnership with Capital One’s existing businesses in Card, Bank, Financial Services, & Commercial Banking, and some may be targeted to build new platforms of growth. You’ll also play a key role in shaping our culture and our people. You’ll provide mentorship, leadership, and guidance for your teammates.

In this role, you’ll be expected to demonstrate proficiency in five key areas:

  • Human Centered:

  • You’ll deeply immerse yourself in knowing your internal and/or external customer(s) by employing empathy and design thinking to define broad-scale solutions that provide breakthrough leverage.

  • You’ll model adaptability by encouraging continuous evolution to product strategy in light of industry trends, emerging solutions, new insights and changing customer and business needs

  • Business Focused:

  • You’ll deeply learn the financial drivers, externalities, and points of leverage within your domain to identify new products or product enhancements that drive sustainable value for Capital One.

  • You’ll be promote a culture anchored in data, used to instrument products, validate outcomes, drive insights, and manage the business both tactically and strategically

  • Technology Driven:

  • You’ll be responsible for fostering a strong agile discipline and inspiring teams to continuously improve delivery evidenced through key agility metrics.

  • You’ll partner with Technology leaders to influence end-state architecture and drive secure, resilient, performant and scalable technology solutions that solve material customer and business problems.

  • You’ll govern the responsible and efficient application of technology resources by assessing opportunities for reusing existing solutions, clearly defining minimum viable products, and always building with extensibility in mind

  • Integrated Problem Solving:

  • Develop and champion a bold vision that drives meaningful outcomes by embracing the art of the possible.

  • Build frameworks for complex decision making that enable effective debate and accelerate getting to the right answer.

  • Transformational Leadership:

  • You’ll establish a long-term product portfolio strategy, informed by customer and business needs, and partner with leaders and stakeholders to regularly drive alignment, secure resources and overcome impediments

  • You’ll attract, grow, empower, and inspire top product talent as they develop and deliver on their local product strategy in an iterative, outcome-focused and well-managed way

As part of the Business Cards and Payments (BCP) Data, Credit Infrastructure and Machine Learning team, you will help drive the strategy and execution for BCP's risk, fraud and valuations models, data tools and capabilities, and well managed process roadmaps. You will work closely with data science, analyst, design, engineering, process and project management stakeholders and customers to understand their priorities/challenges and identify high leverage opportunities.

You will use a data-driven approach to define, track, and measure key performance and business/model/system metrics to help us make smarter business decisions, develop goals, and build better products and capabilities. You will grow, mentor, and develop a team of product managers into leaders who can help us deliver on our roadmap and strategic priorities.

As part of the role, you will have access to:

  • Working with senior product leadership to bring product vision to life

  • Developing product strategy and business cases

  • Leading ideation, roadmap prioritization, goal/metric setting, story writing, project execution, A/B testing, and product roll-out strategy

  • Defining product learning agenda and OKRs to measure success/failure

  • Leading discovery of new product and business opportunities

  • Managing one or more product explorations across all areas of the business

  • Cultivating a fast-moving, results-driven culture that also prioritizes continuous learning

  • Building relationships with thought leaders, startups, VCs, meetup groups, and academics

We want you if you are:

  • Entrepreneurial with the ability to identify and prioritize opportunities in highly ambiguous contexts

  • Have a knowledge of Start-up product or business leadership experience

  • A Track record of contributing to and executing strategy, creating advocacy/alignment and being accountable for outcomes

  • Proven ability to attract, retain and develop top talent team members

  • Product or business leadership experience in both a startup/growth company and also in a large tech company setting

  • Financial Technology start up experience

  • Leading technology company experience

  • Fluency in human-centered product discovery methods such as design thinking and service design

  • Data-driven product and platform development experience

  • Experience shipping multiple products across variety of platforms and channels

  • Experience with Internet of Things, Payments, Machine Learning, AI, Voice, or other emerging technologies

Basic Qualifications:

  • Bachelor’s Degree

  • At least 7 years of experience in digital product management

Preferred Qualifications:

  • Bachelor’s Degree in Computer Science or Engineering

  • MBA or Master’s degree

  • 5+ years of experience in Agile product management

  • 5+ years of experience translating business strategy and analysis into consumer facing digital products

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.

New York City (Hybrid On-Site): $233,100 - $266,000 for Director, Product Management

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 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 . 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

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).