Senior Associate, Product Management - Customer Resiliency, Payments and Offers Capabilities

Senior Associate, Product Management - Customer Resiliency, Payments and Offers Capabilities

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.

Why Team Customer Resiliency

There has never been a better time to work at the heart of Capital One’s mission.  After a frenzied few years reacting to the COVID pandemic’s up-ending of millions of customers’ lives, the Card Customer Resiliency team has embarked on an unprecedented journey to modernize our technology, elevate the voice of our most vulnerable customers, and innovate rapidly to define industry norms of what caring for customers truly means.  Every member of our team is united in our passion to treat customers with dignity, clarity and respect. We build the experiences that allow struggling customers to responsibly manage their debt and understand what is best for them in the long-run.  

Approximately 1 in 4 adult Americans has a Capital One or Discover Card at any moment in time.  Due to the excellence in underwriting, we provide credit access deeper than any of our competitors.  Over 30 million of our Card customers typically go delinquent in a given year, the largest pool of DQ customers in America.  Our team cares for these customers in their most vulnerable moments, including job loss, healthcare troubles, natural disasters, and other major life events that lead to financial hardship.  Managing credit risk isn’t just about understanding access to credit but holistically understanding what happens when that access doesn’t take the path intended.

Team Offers

Our offer programs serve as the vital framework through which we empower customers to resolve outstanding balances, frequently by extending significant concessions to those facing the most acute financial pressures. With millions of individuals engaging with these programs annually, your work will directly impact a massive population, guiding them through periods of instability toward a future of sustainable credit health.

As a Senior Associate Product Manager leading Third Party Offers, you will focus on delivering targeted offer programs that support customers working with external partners across every stage of their lifecycle. These critical programs provide tailored solutions and concessional support to individuals navigating complex financial recovery paths through external channels. Your work will directly shape how we extend our reach to assist populations in need of structured debt resolution. Operating at the intersection of strategy and execution, this position is dedicated to architecting functional enhancements and destination-state capabilities within our third-party offers ecosystem. You will drive the evolution of partner-facing offer experiences, prioritizing seamless integrations, transparency, and flexible capabilities that empower customers to successfully resolve their balances. In this role, you will serve as the product lead for a fully-staffed engineering squad, championing agile delivery to bring these high-impact solutions to market.

We are driven by a singular ambition: To empower customers to get back on track with proactive and personalized programs that support any point in their financial journey.

In this role, you’ll learn the essentials of being a product manager, and we’ll invest in you to grow in four key areas:

• Human Centered

  • You’ll collaborate with tech teams to build comprehensive acceptance criteria, identifying and elevating any need for additional research to define future feature design

  • You'll breakdown business epics into features and further into user stories, driving your team towards lowest effort or Minimal Viable Product (MVP) for a valid feature test

• Business Focused 

  • Demonstrating a growth mindset, you’ll effectively use hypothesis-driven assessment of data to ensure your product or feature delivers on real business needs

  • You’ll own and prioritize feature development roadmaps, ensuring all necessary processes and procedures are followed to manage risk

• Technology Driven 

  • You’ll work autonomously in an agile environment, to conduct research and develop features that utilize new and evolving technology 

  • You’ll collaborate with designers, technologists, data scientists and subject-matter experts to build cutting edge solutions to help customers

  • You’ll deliver well-managed product platforms for customers by seeking to understand technology trends and architecture strategy

• Transformational Leadership

  • By actively participating in horizontal forums, you’ll harness a network of trusted relationships among tech teams, designers, key internalstakeholders and partner teams

  • You’ll articulate a succinct product roadmap to deliver business value and share with with stakeholders, elevating your team’s results and becoming a product matter expert

We want you if you are: 

• Intellectually Curious. You ask why, you explore, you're not afraid to blurt out your crazy idea or follow an email chain for weeks to find someone with an answer. Comfortable with ambiguity, a hunger to learn and a seeker of new challenges

• Communicator & Influencer.You can communicate complex ideas clearly regardless of your audience. Our team knows their priorities and why they’re doing what they’re doing. You always can rally associates to work with you

• Do-er.You’re biased toward action, you try things and sometimes you fail. You can get around roadblocks and stay focused on your goals. You’re well organized, able to multitask and able to prioritize your work

• Passionate & Customer Focus. You care about growing others and bringing them together around what’s possible. You get a thrill from the journey of building and shipping products, and you have a desire and ability to connect with our external or internal customers to fully understand their needs

• Learner. You have an appetite to learn new things or new technologies all while exhibiting humbleness when the time comes to ask for help

• Team Player.You enjoy working with diverse people and driving the team toward a common goal. You have the ability to put the team before yourself and establish long-lasting relationships

Basic Qualifications:

• Bachelor’s degree or military experience

• At least 1 year of product management experience or at least 1 year of experience in product design, agile delivery, business analysis, data science, or software engineering

Preferred Qualifications:

• Bachelor’s degree in computer science or engineering 

• 1+ years translating business strategy or analysis into consumer facing digital products

• 1+ years of experience working on core product platforms powering digital experiences

• 1+ years working with cross functional teams as a product owner in an agile development process

At this time, Capital One will not sponsor a new 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.

Chicago, IL: $101,100 - $115,400 for Sr. Associate, Product Management; $149,800 - $171,000 for Manager, Product ManagementMcLean, VA: $111,200 - $126,900 for Sr. Associate, Product Management; $164,800 - $188,100 for Manager, Product ManagementNew York, NY: $121,300 - $138,400 for Sr. Associate, Product Management; $179,700 - $205,100 for Manager, Product ManagementRichmond, VA: $101,100 - $115,400 for Sr. Associate, Product Management; $149,800 - $171,000 for Manager, 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 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 (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

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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).