Center 2 (19050), United States of America, McLean, Virginia

Risk Manager - Governance, Valuations, & Innovation

Capital One's Governance, Valuations, & Innovation (GV&I) Team is a second line of defense function housed within the Credit Risk & Analytics (CR&A) Division. CR&A is responsible for Risk Governance, Risk Appetite, Credit Risk Policy, and Assurance Exam Management activities for the Commercial Bank. The team's contribution is critical in providing a foundation for sound risk management practices, complying with internal policies and regulations, and exhibiting the overall culture of Capital One.

Role Description

GV&I is seeking a Manager-level associate with a risk management background and experience working with commercial banking policies, regulations, and processes. The individual will partner with innovative and passionate stakeholders across the Lines of Business, Product, Technology, Operations, and Risk to enhance risk governance, controls, processes, and assurance practices, while implementing changes that are strategic and transformative for Capital One.

• Providing guidance on commercial credit policies, standards, and procedures
• Supporting management of the credit policy lifecycle, including drafting policy updates and communicating changes to stakeholders
• Administering credit approval and credit exceptions processes and policies through day-to-day management
• Formulating and implementing solutions, leveraging technology to enhance credit processes
• Drafting materials, developing communications, and providing training related to change initiatives
• Leveraging data to provide insights that enable stakeholders to make data-based decisions
• Performing research on regulatory interpretation and leading industry practices relating to commercial lending
• Providing guidance on applicability of regulatory and policy requirements
• Evaluating Internal Audit, Regulatory Exam, and self-identified issues and events for compliance and policy impacts
• Working closely with associates across Capital One, including: Lines of Business, Product, Technology, Operations, and Risk
• Promoting GV&I's learning and culture by facilitating continuous learning activities and team interactions

• Self-starter with a background in risk management, compliance, or credit underwriting
• Understanding of commercial banking activities and the three lines of defense framework
• Ability to organize, prioritize, and manage multiple projects and deliverables
• Solid analytical, research, and investigative skills (e.g., researching laws/regulations, internal policies and procedures, etc.)
• Strong data and analytical competencies
• Effective verbal and written communication skills, including the ability to prepare refined 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)
• Proficiency in Python and/or Javascript

• Bachelor's degree or military experience
• At least 7 years of experience in risk management, compliance, or credit underwriting at a financial institution or consultancy firm
• At least 2 years of experience working with SQL databases such as Snowflake and data visualization applications such as Tableau or AWS QuickSight

• Master's degree in Business Administration, Juris Doctor degree or other Master's degree
• 8+ years of experience in credit risk management or commercial banking