The position is for a Senior Director to lead Credit Research Shared Services, and reports to the VP of Commercial Portfolio Analytics, which resides in the Commercial and Small Business Credit Risk Management (CSCRM) department. Credit Research Shared Services is a new function that will be responsible for creating, monitoring and delivering fundamental credit risk research to the Commercial Bank of Capital One. This includes monitoring the Bank’s credit portfolio risk, performance, exogenous risks, and market trends. The position will be building Credit Research Shared Services from the ground up and will interact extensively with the leadership of CSCRM.
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-Leadership: Coaching and mentoring associates with a goal of developing and retaining talent at Capital One.
-Credit Risk: Drive improvements in credit performance by connecting drivers of future credit trends to historical behavior, construction of risk models, and testing hypotheses using rigorous monitoring and analysis.
-Execution: Drive findings and challenge the thinking of CSCRM and the Line of Business. Oversee multiple projects and programs concurrently.
-Partnership: Work closely with colleagues across Capital One, including: Risk, Finance, the Line of Business and others to drive improvement in profitability.
The desired experience and skill set for the ideal candidate include:
-Strategic & analytic orientation: Experience with building quantitative, analytical tools and using them for decision making. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analysis.
-Strong business judgment, leadership and integrity
-Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team. Experience working with multiple stakeholders 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 skills.
-Results oriented: 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.
Essential Duties and Responsibilities:
-Proactively identify risk and reward characteristics of a Commercial Lending portfolio in excess of $90 Billion exposure
-Maintain a forward looking view of risk and opportunities incorporating internal and external single name credit risk estimates, internal and external market pricing data, industry research, macro data, etc.
-Develop and implement risk analyses to monitoring portfolio level credit risk, identify trends in the portfolio/market and forecast possible outcomes. The emphasis is on identifying risk on the horizon.
-Develop and deliver summary portfolio reports and strategy presentations for senior management.
Basic Qualifications:
-Bachelor’s degree or Military experience
-At least 7 years of experience in commercial credit research OR at least 7 years of experience in investment research
-At least 3 years of experience leading and managing teams of people
Preferred Qualifications:
-Masters of Business Administration (MBA) or Master’s degree in Finance or Quantitative field
-10+ years of experience in commercial credit research OR 10+ years of experience in investment research
- 5+ years of experience leading and managing teams of people
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