Director, Consumer Credit Review
Oliver Evans (18222), United States of America, Wilmington, Delaware
At Capital One, we're building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.
Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.
Director, Consumer Credit Review
The Consumer Credit Review Director is responsible for executing an independent, risk-based assurance review of assigned platforms within Capital One's Consumer credit portfolio, including assessment of credit risk, lending practices, effectiveness of policy implementation and risk rating accuracy. The portfolios include Auto Loans and Credit Card (domestic branded, partnership and international). The Senior Manager will contribute towards the execution of the annual Credit Review operating plan and provide training, coaching and coordination of cross-functional teams within Credit Review in the process. This associate will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management.
Execute the Credit Review function by:
-Developing, managing and executing a risk-based review plan covering consumer line(s) of businesses at the both portfolio and transactional level testing
-Focusing on both the credit risk as well as overall financial return metrics (inclusive of Risk Appetite Framework and other quantitative measures of return such as NPV, ROA, NIAT, etc.)
-Partner with Modelling team within Credit Review and Risk Management teams to assess NPV models and related tools used in underwriting and portfolio management strategy design
-Assessing the accuracy of overall portfolio asset quality
-Identifying credit process weaknesses
-Identifying emerging credit risk trends and issues
-Identifying gaps in credit policy
-Aggregation and tracking of identified issues to resolution
-Provide credible challenge on all aspects of credit risk management
-Communication of Credit Review assurance results with exceptional verbal and written communication skills, demonstrating strong clear thinking and succinct delivery of message
-Report results and issues verbally and in writing to executive management and internal credit and risk senior executives.
-Work with regulators and external auditors to provide assurance that Credit Review processes are sound.
-Build and maintain high trust relationships with senior credit risk management, senior lending associates, and regulators
-Act as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders.
-Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results.
- Bachelor's degree or military experience
- At least 7 years of experience in consumer credit risk management, at least 7 years of experience in a Credit Review assurance role, or a combination
- Master's degree
- CFA, CPA
- Formal Credit Training from a large national or regional bank or equivalent training in a regulatory office (e.g. OCC, Federal Reserve)
- Risk management and Finance functional role experience in a retail banking environment
- 15+ years of experience in consumer credit risk management or 15+ years of experience in consumer credit analysis or 15+ years of a Credit Review assurance role
- 5 years of experience influencing senior level executives or 5 years of experience influencing regulators
At this point, Capital One will not sponsor a new applicant for employment authorization for this position.
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