Credit analyst jobs in Richmond, VA

Company Summary: Blue Ridge Bank is extremely proud of its more than a century of customer-based service and looks forward to serving its current and new customers for many years to come, with the attention and service that only a locally owned independent community bank can provide. At Blue Ridge Bank our purpose is to be a trusted partner OF CHOICE in helping our customers achieve their financial goals and that includes you as well! Our Core values of teamwork, integrity, respect, open communication and honoring our commitments to each other, serve as our compass, driving us forward with purpose. These values guide our actions and shape our culture to deliver on our purpose. They influence our decision-making and define how we interact with one another and our customers. Job Description Credit Analyst Underwriter III is responsible for the analysis and management of moderately complex and unconventional financial and credit risk assessment tasks. This position uses advanced knowledge about their function and our organization to problem-solve and make strategic decisions which has a direct impact on the business. This position works independently with guidance provided only under complex situations. Focus on commercial and industrial products. Responsibilities: * Conduct comprehensive financial analysis and risk evaluation decisions for moderately complex transactions with lending exposures less $2 million. * Review and analyze borrower and guarantor personal and business credit reports and financial data. * Communicate credit decisions and approval conditions to relevant parties. * Provide technical guidance and mentorship to junior members of the team. * Escalate complex issues to the senior underwriter or supervisor. * Proactively manage and update the loan risk rating system. * Comply with all regulatory requirements and internal policies and procedures. * Participate in reviews and audits as required by internal and external regulators. Skills: * Strong analytical and problem-solving skills with the ability to evaluate credit risks. * Advanced knowledge of financial statements and tax return analysis. * Excellent communication skills and the ability to mentor and guide junior employees. * Proficient with Microsoft Office Suite including Word, Excel, PowerPoint, and Outlook. Requirements Education: * Bachelor's degree in Finance, Business, Economics or related field. Job Tasks: * Evaluate and analyze the creditworthiness of clients and businesses. * Provide technical guidance and mentorship to junior staff. * Communicate effectively with clients and management. * Ensure compliance with company policies and procedures. Software Application: * Proficient in the use of credit analysis software and other risk management tools. * Ability to use Microsoft Office Suite efficiently. Years of Experience: * A minimum of 5 to 7 years of experience in credit analysis or underwriting. * Previous experience in the banking industry is required. * Demonstrated experience in mentoring or training other staff. Physical Requirements: * The ability to sit for prolonged periods. * Use of visual acuity to read and analyze data on computers. * Certain levels of dexterity for typing and writing.

Hamilton Beach Brands, Inc., is a leading designer, marketer, and distributor of small household and commercial appliances. Our culture emphasizes hard work, ethical behavior, and teamwork. We are dedicated to creating products that have satisfied customers for over 100 years. We are seeking a skilled and customer-focused Credit Representative to join our Corporate Finance team in Glen Allen, Virginia. In this role, you will support the company's financial health by evaluating customer creditworthiness, managing credit accounts, and driving timely collection of outstanding balances. If you thrive in a fast-paced environment, enjoy problem-solving, and take pride in building strong customer relationships, we'd love to meet you. What You'll Do Proactively review customer accounts to identify past due or disputed invoices, initiate communication, and drive timely payment resolution. Research and resolve deductions and disputes by securing required documentation (e.g., proof of deliver) and ensuring accurate, complete follow-through. Navigate customer payment and dispute portals to submit invoices, manage cases, and pull payment remittance for cash application. Partner with the Supervisor to review customer financial statements and credit history to determine appropriate credit limits. Monitor internal procedures and recommend process improvements that enhance efficiency and minimize financial risk. Support internal and external audit activities by providing requested documentation and analysis. Bilingual (Spanish-speaking) skills are a plus, but not required. What You Bring 5+ years of B2B Accounts Receivable or Credit experience; bachelor's degree in Accounting, Finance, Business, or a related field preferred. Strong analytical skills with the ability to assess and interpret financial risk. Excellent communication, negotiation, and customer service abilities. Demonstrated ability to collaborate effectively within a team. Proficiency with Microsoft Office (especially Excel), ERP systems, and collaboration tools such as Outlook, Teams, SharePoint, and Word. Exceptional attention to detail and the ability to manage multiple accounts and deadlines simultaneously. What We Offer We provide a competitive compensation and benefits package designed to support your well-being and long-term success. Our offerings include: Comprehensive health, dental, and vision coverage Company HSA contributions 401(k) plan with immediate vesting Profit sharing Paid vacation, holidays, and a paid charitable day Summer hours to support work-life balance Employee discounts on Hamilton Beach products At Hamilton Beach Brands, you'll be part of a collaborative team that values accountability, continuous improvement, and strong customer partnerships. This role offers the opportunity to make a direct impact on cash flow, credit policy, and customer experience - while advancing your career in corporate finance. Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. Our employees enjoy working in a tobacco-free and drug-free environment. We do not consider candidates who use tobacco products. Hamilton Beach Brands, Inc. is committed to hiring and retaining a diverse workforce. We are an Equal Opportunity/Affirmative Action Employer, making decisions without regard to race, color, religion, creed, gender, sexual orientation, gender identity, marital status, national origin, age, veteran status, disability, or any other protected class. Our company uses E-Verify to confirm the employment eligibility of all newly hired employees. To learn more about E-Verify, including your rights and responsibilities, please visit *****************

Every day, we get opportunities to make a positive impact - on our colleagues, partners, customers and society. Together, we're pioneering the solutions of the future and unlocking the full potential of precious resources. Trusted to act on initiative, we challenge conventional thinking to develop world-leading technologies that inspire progress in vital areas, including energy, food, water and shipping. As we push forward, the innovative, open spirit that fuels our 140-year-old start-up culture and rapid growth also drives our personal growth. So, as we shape a more resourceful, less wasteful world, we build our careers too. About the job As an integral member of our team, you will play a pivotal role in the collection and maintenance of customer accounts, establishment of lines of credit, collection of overdue accounts, and resolution of customer disputes while maximizing cash flow. You will have the opportunity to be part of the Finance Shared Services Center, contributing to the overall success and growth of our organization. Currently, this is a Hybrid opportunity located in Richmond, VA. As a part of the team, you will: Perform credit evaluations on new or existing accounts by using Dun & Bradstreet or Trade & Bank references. Review purchase orders. Assign credit limits based on Alfa Laval Credit Policy. Approve all new and incoming orders for all marketing divisions. Contact customers via telephone and email regarding past due balances to determine reason and notify the appropriate department when needed. Work with sales and customer service daily to initiate required credits or corrections to customer accounts. Recommend delinquent accounts to Credit Manager for outside collection agencies and/or in-house legal department as needed. Assist Credit Manager with monthly statistical reports as required. Assist with auditor requests. We care about diversity, inclusion and equity in our recruitment processes. We also believe behavioral traits can provide important insights into a candidate's fit to a role. To help us achieve this we apply Pymetrics assessments, and upon application you will be invited to play the assessment games. What you know: You have a bachelor's degree preferably in finance or business field with relevant experience, and: Minimum 5 years of professional experience related to credit and collection in a complex global organization supporting multiple industries, Business Units and entities, collection knowledge of manufacturing environment and purchase orders. Experience with online collections tools such (i.e. Get Paid, High Radius). Proficiency with Microsoft Office. Commitment to outstanding customer service and support. Knowledge of accounts receivable sub-ledger transactions. Demonstration of sound business judgment and shared values. Ability to work with all levels of management and marketing/sales departments. Strong interpersonal and collaboration skills. Strong leadership and communication skills. At Alfa Laval, we pride ourselves on creating an inclusive and dynamic workplace that values diverse perspectives and experiences. While we typically welcome applicants from all locations, currently, we are prioritizing candidates who reside in the US or have an established presence in the area. What's in it for you? We offer a challenging position in an open and friendly environment where we help each other to develop and create value. Your work will have a true impact on Alfa Laval's future success. Our benefits-eligible associates enjoy healthcare, dental and vision plans, a robust wellness program, generous 401(k), paid holidays, paid time off benefits, and more. At Alfa Laval, we carefully consider a wide range of factors to determine your total compensation package. We rely on market indicators and consider your specific job, background, skills, and experience to get it right. The base salary for this role is typically $66,000 - $80,000 per year. Alfa Laval is an equal opportunity employer. We are committed to building an inclusive and diverse workforce. All employment is decided on the basis of qualifications, merit, or business need, without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status. #LI-AE1 EEO/Vet/Disabled Employer

Value Proposition Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is a full-time, hyrid career opportunity on our Business Loan Center team that can sit anywhere within the Fulton Bank footprint as follows: PA, NJ, MD, DE, VA, DC. Provide underwriting of commercial credit requests in the Business Loan Center. The position will have loan approval authority and will actively participate in the loan decisioning process, applying appropriate risk management strategies in compliance with the bank's risk appetite and policies and regulatory requirements. Responsibilities * Actively participates as the primary decision maker in the loan decision process for the Business Loan Center Assists in the execution of the corporation and the banks' risk appetite. Ensures that all pertinent risks have been identified and assessed, including but not limited to credit, legal, regulatory, compliance, and operational, and that appropriate controls are established in order to mitigate these risks. Ensure that loan presentations adequately assess the risks inherent in the borrower and the loan request. Assigns risk ratings in accordance with BLC procedures. * Responsible for efficient and timely decision making for more complex loan requests submitted to the BLC and assisting in the efficient and effective operation of the BLC. Actively participates in communication between the Relationship Manager and customer where appropriate. Provides guidance and feedback to RMs and credit analysts in the BLC underwriting and decisioning process. * Maintains thorough knowledge of Fulton's credit appetite, underwriting standards, credit quality, policies and regulatory compliance requirements in addition to systems and procedures necessary for the BLC underwriting and decisioning process. * Partners with special assets group on problem loan identification. Practices early identification and effective mitigation strategies on problem loans. Qualifications Education Bachelor's Degree or the equivalent experience. Specialty: Business or Accounting. (Required) Experience 7 or more years Banking /Financial experience. (Required) 7 or more years Commercial Credit Underwriting, Analysis and Lending authority experience. (Required) Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The salary range for this position is $99,200.00 - $165,300.00 annually. Additional Compensation Components This job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. EEO Statement Fulton Bank ("Fulton") is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.

Key Role Details Full-time new hires for this role will start as a cohort in July 2026. This role is a full-time associate position. Participation in the program requires that you are located in the continental United States with in-person attendance at your assigned location, in accordance with Capital One's hybrid working model. Position Location: McLean, VA or Richmond, VA The Business Cards & Payments (BC&P) organization is committed to fueling the courageous entrepreneurial spirit that's at the heart of America's business owners and offer products and services to help them do more business. We've built an organization that is focused on listening to and learning from the millions of business customers we serve every day to make sure our products, services and experiences work as hard as they do. The name of our organization reflects our current leadership position in Small Business and Commercial Cards - as well as our aspiration to serve a wide range of needs for our customers Beyond the Card. We are a culture that dreams big and embraces an entrepreneurial and ownership spirit - just like our business customers. We are seeking a motivated and fast learner with good quantitative, analytical, and communication skills to be accountable for a portfolio of credit line decisions up to $750K exposure. In this role, you will have primary accountability for analyzing business and personal financial conditions to evaluate credit worthiness and prepare detailed recommendations for loan decisions. You will assess financial statements and additional data to understand revenues, profitability, cashflow, sustainability, and overall risks. You will present your decisions to senior approvers, to field sales, partners, and directly to clients. General Responsibilities: Make credit recommendations on cases up to $750K exposure and maintain individual signing authority up to $150K exposure Conduct business interviews to understand client business model, sources of revenue, merchant spend, and future projections Assess business financial performance against policy guardrails Exceptional interpersonal, verbal communication and writing skills Evaluate future business growth potential, market competitiveness, and industry risks Prepare clear, concise analysis supporting credit memos that recommend decisions and address rationale for any deviations from loan policy, procedures and guidelines Identify and mitigate key credit risks Maintain satisfactory level of portfolio losses while meeting expectations of loan revenues Adhere to all applicable regulations and the expected execution standards Request additional business and personal information to address key identified risks Demonstrate exceptional service in all interactions with clients and partners Monitor portfolio performance to identify trends and alignment to expectations An ideal candidate would possess: Strong quantitative, analytical, problem solving and conceptual skills Examples of demonstrated leadership and team-oriented traits Basic Qualifications: Currently has, or is in the process of obtaining, a Bachelor's degree or higher with an expectation that you will complete your most recent full-time degree program by May 2026 or earlier. 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. McLean, VA: $80,100 - $91,400 for Commercial Credit Analyst Richmond, VA: $72,800 - $83,100 for Commercial Credit Analyst 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 (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 ************** 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 ********************** 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).

CoStar Group (NASDAQ: CSGP) is a leading global provider of commercial and residential real estate information, analytics, and online marketplaces. Included in the S&P 500 Index and the NASDAQ 100, CoStar Group is on a mission to digitize the world's real estate, empowering all people to discover properties, insights and connections that improve their businesses and lives. We have been living and breathing the world of real estate information and online marketplaces for over 35 years, giving us the perspective to create truly unique and valuable offerings to our Clients. We've continually refined, transformed and perfected our approach to our business, creating a language that has become standard in our industry, for our Clients, and even our competitors. We continue that effort today and are always working to improve and drive innovation. This is how we deliver for our Clients, our employees, and investors. By equipping the brightest minds with the best resources available, we provide an invaluable edge in real estate. **ABOUT THE ROLE** CoStar is seeking a **Senior Commercial Rent Analyst,** with a focus on commercial real estate (CRE) data analysis, data validation, and accuracy evaluation/tracking, to join our growing analytics organization. The Senior Commercial Rent Analyst will enhance commercial rent estimates by improving data quality, supporting the lease abstraction process, and driving accuracy in rent estimation models. This role will collaborate with research, product, and quantitative teams to streamline data collection systems and enhance data quality. Additionally, the analyst will lead product prototyping, benchmarking, and cloud migration efforts, advance space-level analytics, and deliver tools to improve the productivity and efficiency of the analyst team. This is a full-time in-office position that will be based in our Richmond, VA office. **RESPONSIBILITIES** + Develop comprehensive dashboards to monitor and assess lease data, assess the accuracy of commercial rent estimates, and visualize rent/accuracy trends. + Build and implement QA checks and feedback loops for research lease abstraction teams to improve data quality and refine the lease abstraction process. + Collaborate with the Quantitative Analytics team for rent estimation model enhancement. + Provide actionable feedback to the research team for better data quality and quantity with regards to rents and other CRE data points needed to support analytic content. + Develop and implement systems for analysts input on rent estimations. + Lead the development of product prototypes using real data to support benchmarking or other initiatives and ensure that new product features align with market expectations. + Construct Power BI reports and commercial datasets to support the analytics team. + Work with product and quantitative teams to utilize space-level analytics for more granular insights, incorporating into rent estimation models and reporting tools. + Build and deliver new tools and capabilities to improve analyst team productivity and efficiency **BASIC QUALIFICATIONS** + Bachelor's degree in a quantitative field (e.g., Economics, Real Estate, Statistics, Data Science/Analytics, Finance, or related discipline). + 3+ years of experience in data analysis, with exposure to commercial real estate data preferred. + Highly proficient in SQL for querying and transforming large datasets, with experience in SQL Server Management Studio. + Intermediate to Advanced Excel skills + Skilled in Power BI (or similar BI tool) for creating dashboards and reports. + Applied experience with Microsoft Office 365 based data tools (including VBA) for data processing and analysis. + Strong analytical and problem-solving skills with attention to detail. + Proactive and self-driven, consistently taking initiative to identify and implement improvements. + A track record of commitment to prior employers **PREFERRED QUALIFICATIONS** + Advanced degree (Master's, PhD) in statistics, data science, real estate, or related field + Knowledge of commercial real estate concepts and metrics (e.g., effective rents, vacancy rate, absorption). + Experience with rent analysis or working with forecast/valuation models. + Familiarity with Python and/or R. + Understanding of API calls and JSON is a plus + Hands on experience working with large, complex datasets across multiple sources. + Strong communication skills, especially in presenting data-driven insights to non-technical stakeholders. **WHAT'S IN IT FOR YOU:** When you join CoStar Group, you'll experience a collaborative and innovative culture working alongside the best and brightest to empower our people and customers to succeed. We offer you generous compensation and performance-based incentives. CoStar Group also invests in your professional and academic growth with internal training, tuition reimbursement, and an inter-office exchange program. Our benefits package includes (but is not limited to): + Comprehensive healthcare coverage: Medical / Vision / Dental / Prescription Drug + Life, legal, and supplementary insurance + Virtual and in person mental health counseling services for individuals and family + Commuter and parking benefits + 401(K) retirement plan with matching contributions + Employee stock purchase plan + Paid time off + Tuition reimbursement + On-site fitness center and/or reimbursed fitness center membership costs (location dependent), with yoga studio, Pelotons, personal training, group exercise classes + Access to CoStar Group's Diversity, Equity, & Inclusion Employee Resource Groups + Complimentary gourmet coffee, tea, hot chocolate, fresh fruit, and other healthy snacks We welcome all qualified candidates who are currently eligible to work full-time in the United States to apply. However, please note that CoStar Group is not able to provide visa sponsorship for this position. \#DG-4 CoStar Group is an Equal Employment Opportunity Employer; we maintain a drug-free workplace and perform pre-employment substance abuse testing CoStar Group (NASDAQ: CSGP) is a leading global provider of commercial and residential real estate information, analytics, and online marketplaces. Included in the S&P 500 Index and the NASDAQ 100, CoStar Group is on a mission to digitize the world's real estate, empowering all people to discover properties, insights and connections that improve their businesses and lives. We have been living and breathing the world of real estate information and online marketplaces for over 37 years, giving us the perspective to create truly unique and valuable products and services. We've continually refined, transformed and perfected our approach to our business, creating a language that has become standard in our industry and for our customers. This is how we deliver for our customers, our employees, and investors. By equipping the brightest minds with the best resources available, we provide an invaluable edge in real estate. CoStar is committed to creating a diverse environment and is proud to be an equal opportunity workplace and affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. CoStar is also committed to compliance with all fair employment practices regarding citizenship and immigration status. If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access *************************** as a result of your disability. You can request reasonable accommodations by calling ************** or by sending an email to ************************** .

The Credit Analyst is responsible for processing/decisioning on credit applications and resolving credit-related issues through addressing incoming phone calls and emails from Lansing branch Associates and customers. Account maintenance is performed as needed to include sales change updates, address changes and account merge/close. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Review credit applications for accuracy. Pull credit reports, request supplier references, and gather needed information from Sales Associates to facilitate credit limit decisioning. Independently determine the appropriate credit limit for submitted applications and rechecks on existing customer accounts up to $50k approval level. Handle incoming phone calls and emails from Lansing Associates and Customers to accept payments and resolve credit-related issues. Involves decision-making on managing past due accounts, responding to billing questions, and reconciliation of accounting records with customers. Perform account set-up in an accurate manner. Responsible for account maintenance requested from Sales Associates and Customers. Other duties assigned. Qualifications Ability to handle high transaction volume. Ability to manage multiple tasks and meet deadlines. Ability to work with a strong attention to detail. Strong problem solving/decision-making skills. Strong customer focus. Ability to work effectively in a team environment. Ability to reconcile accounting records. Communication Proficiency. Basic proficiency with Excel and Word. Supervisory Responsibility This position has no supervisory responsibilities. Work Environment This job operates in a professional, home office environment. Physical Demands This is largely a sedentary role, requiring use of typical office equipment such as a computer, phone, copier, check scanner, etc. Position Type and Expected Hours of Work This is a full-time position. Normal days and hours of work are Monday through Friday, 8 a.m. to 5 p.m., though as a salaried position overtime may occasionally be necessary. Travel Very limited travel is expected for this position for potential physical inventory or customer related events. Required Education and Experience High school diploma. 2 years related experience. Bachelor's degree is a plus, but not required. ALJ123 #LI-KW1

MECCA has an exciting opportunity for an experienced Customer & Commercial Analyst to join our Beauty Loop team, providing customer and commercial expertise with a strong focus on forecasting, financial modelling, strategic planning, analysis and business partnering. You will play a key role in refining and improving the Beauty Loop program, identifying opportunities for sales growth or efficiencies, and supporting the delivery of new program features and benefits. The Role You Could Play The Senior Loyalty Commercial Analyst is a customer focused and analytically-minded person who works closely and as a true partner to senior loyalty colleagues, in particular the Head of Loyalty & DCE and Proposition Manager to provide customer and commercial expertise with a focus on financial modelling, strategic planning, analysis and business partnering - for both refining and improving the BAU programme, identifying new opportunities for sales growth or efficiencies and for delivering any new features and benefits. You will leverage data from internal and external sources to inform programme vision, proposition design, creating commercial and business cases within the MECCA format for senior presentations and approval. More broadly, you will also work with the loyalty team and own quantitative analysis of our loyalty offering and its impact to the business and our customer base. Your key responsibilities will include: * Deliver timely reporting and analysis on Beauty Loop and digital engagement initiatives to drive retention and LTV. * Surface trends and insights on customer behaviour and program health to support short- and long-term planning. * Build sales forecasts for the program and collaborate with Finance on broader business outlooks. * Complete campaign PIRs and develop case-study insights for internal and brand partners. * Provide strategic recommendations to senior leaders to enhance loyalty performance and customer experience. * Model proposition changes and run scenario analyses to support commercial planning and optimisation. * Innovate financial modelling approaches and evaluate new technologies or data sources for improved measurement. * Identify opportunities for dashboard automation and support reporting tool development with the RA and Data teams. * Act as the loyalty data SME-standardising metrics, producing documentation, training users, and guiding cross-functional teams. * Ensure data privacy compliance and partner with external providers to benchmark performance. What You Will Bring As the Senior Loyalty Commercial Analyst, you must be able to work with a broad spectrum of people, presenting key analysis and insights talking confidently and accurately about data and analytics pieces. You will also be able to demonstrate the following: * 5+ years' experience in commercial data analysis and reporting, ideally within retail or customer-focused industries * Advanced data analysis and reporting - ability to develop, implement, and interpret customer and financial models, dashboards, and key metrics to drive decision-making. * Commercial acumen and strategic thinking - proactively identify opportunities for business growth and efficiency within the loyalty program, using data to inform recommendations. * Curious, methodical, and detail-oriented - able to question assumptions, validate data * integrity, and apply critical thinking to insights and forecasting. * Ability to work both independently and collaboratively - effectively manage workload, support cross-functional teams, and mentor junior analysts with minimal supervision. * Strong business and retail understanding - able to connect data-driven insights to commercial outcomes and customer behaviour trends. * Passionate about innovation and technology - keen to explore and implement new data sources, modelling techniques, and analytical tools to enhance program performance. * Exceptional communication and stakeholder management - confident in presenting data-driven insights and influencing senior leadership. * Commitment to data security and privacy - ensures compliance with regulations and best practices in handling confidential data. This role will suit someone with a proactive approach, strong problem-solving skills and high attention to detail. As well as the ability to multitask effectively, manage timelines and succeed in an entrepreneurial environment. Your Life At MECCA Whilst we are singularly focused on our #CustomerFirst mantra, we know that wouldn't be possible without an incredible team that is guided by our MECCA values and motivated each and every day to be solutions focused, innovative, collaborative and adaptable, and have a bit of fun along the way! Some of our other team member benefits include: * Professional development programs and first-class digitised learning offering * Health and well-being initiatives * Reward and recognition programs * Access to bonus and incentive programs * Generous discount to spoil yourselves and your immediate family, as well as a generous product allowance, subject to company policy Benefits are subject to company policy, as updated from time to time. There are also so many other ways in which you'll be made to feel part of the MECCA story as we love to celebrate, surprise and delight our team along the way. To learn more about life at MECCA Brands, follow us on LinkedIn at MECCA Brands or @lifeatmecca and for all current opportunities, visit ************************ #LI-KG1

Petersburg, Virginia **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (********************************************************************************************************************* **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. **Responsibilities:** + Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities + Assists, educates, and trains clients on conducting simple transactions through self-service technologies + Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy + Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping + Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements **Required Qualifications:** + Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment + In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months + Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client + Collaborates effectively to get things done, building and nurturing strong relationships + Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives + Confident in identifying solutions for helping new and existing clients based on their needs + Strong written and verbal communications skills + Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) + Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances + Applies strong critical thinking and problem-solving skills to meet clients' needs + Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously + Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) + Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance **Desired Qualifications:** + Associate's Degree or Bachelor's Degree in business, finance or a related field + Experience working in a financial center where goals were met or exceeded + Retail and/or sales experience in a salary plus incentive environment + Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded + Experience with financial information, spreadsheets and financial skills + Knowledge of banking products and services + Strong computer skills including Microsoft applications and previous experience utilizing laptop technology **Skills:** + Active Listening + Business Acumen + Customer and Client Focus + Oral Communications + Problem Solving + Account Management + Client Experience Branding + Client Management + Client Solutions Advisory + Relationship Building + Business Development + Pipeline Management + Prospecting + Referral Identification + Referral Management **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Company Summary: Blue Ridge Bank is extremely proud of its more than a century of customer-based service and looks forward to serving its current and new customers for many years to come, with the attention and service that only a locally owned independent community bank can provide. At Blue Ridge Bank our purpose is to be a trusted partner OF CHOICE in helping our customers achieve their financial goals and that includes you as well! Our Core values of teamwork, integrity, respect, open communication and honoring our commitments to each other, serve as our compass, driving us forward with purpose. These values guide our actions and shape our culture to deliver on our purpose. They influence our decision-making and define how we interact with one another and our customers. Job Description Credit Analyst Underwriter III is responsible for the analysis and management of moderately complex and unconventional financial and credit risk assessment tasks. This position uses advanced knowledge about their function and our organization to problem-solve and make strategic decisions which has a direct impact on the business. This position works independently with guidance provided only under complex situations. Focus on commercial and industrial products. Responsibilities: · Conduct comprehensive financial analysis and risk evaluation decisions for moderately complex transactions with lending exposures less $2 million. · Review and analyze borrower and guarantor personal and business credit reports and financial data. · Communicate credit decisions and approval conditions to relevant parties. · Provide technical guidance and mentorship to junior members of the team. · Escalate complex issues to the senior underwriter or supervisor. · Proactively manage and update the loan risk rating system. · Comply with all regulatory requirements and internal policies and procedures. · Participate in reviews and audits as required by internal and external regulators. Skills: · Strong analytical and problem-solving skills with the ability to evaluate credit risks. · Advanced knowledge of financial statements and tax return analysis. · Excellent communication skills and the ability to mentor and guide junior employees. · Proficient with Microsoft Office Suite including Word, Excel, PowerPoint, and Outlook. Requirements Education: · Bachelor's degree in Finance, Business, Economics or related field. Job Tasks: · Evaluate and analyze the creditworthiness of clients and businesses. · Provide technical guidance and mentorship to junior staff. · Communicate effectively with clients and management. · Ensure compliance with company policies and procedures. Software Application: · Proficient in the use of credit analysis software and other risk management tools. · Ability to use Microsoft Office Suite efficiently. Years of Experience: · A minimum of 5 to 7 years of experience in credit analysis or underwriting. · Previous experience in the banking industry is required. · Demonstrated experience in mentoring or training other staff. Physical Requirements: · The ability to sit for prolonged periods. · Use of visual acuity to read and analyze data on computers. · Certain levels of dexterity for typing and writing.

Value Proposition Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is a full-time, hyrid career opportunity on our Business Loan Center team that can sit anywhere within the Fulton Bank footprint as follows: PA, NJ, MD, DE, VA, DC. Provide underwriting of commercial credit requests in the Business Loan Center. The position will have loan approval authority and will actively participate in the loan decisioning process, applying appropriate risk management strategies in compliance with the bank's risk appetite and policies and regulatory requirements. Responsibilities Actively participates as the primary decision maker in the loan decision process for the Business Loan Center Assists in the execution of the corporation and the banks' risk appetite. Ensures that all pertinent risks have been identified and assessed, including but not limited to credit, legal, regulatory, compliance, and operational, and that appropriate controls are established in order to mitigate these risks. Ensure that loan presentations adequately assess the risks inherent in the borrower and the loan request. Assigns risk ratings in accordance with BLC procedures. Responsible for efficient and timely decision making for more complex loan requests submitted to the BLC and assisting in the efficient and effective operation of the BLC. Actively participates in communication between the Relationship Manager and customer where appropriate. Provides guidance and feedback to RMs and credit analysts in the BLC underwriting and decisioning process. Maintains thorough knowledge of Fulton's credit appetite, underwriting standards, credit quality, policies and regulatory compliance requirements in addition to systems and procedures necessary for the BLC underwriting and decisioning process. Partners with special assets group on problem loan identification. Practices early identification and effective mitigation strategies on problem loans. Qualifications Education Bachelor's Degree or the equivalent experience. Specialty: Business or Accounting. (Required) Experience 7 or more years Banking /Financial experience. (Required) 7 or more years Commercial Credit Underwriting, Analysis and Lending authority experience. (Required) Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The salary range for this position is $99,200.00 - $165,300.00 annually. Additional Compensation Components This job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. EEO Statement Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.

Capital One's Credit Review organization is a third line of defense function that is responsible for providing an independent assessment of the Company's credit quality, key and emerging risks, and credit process execution to the Risk Committee of the Board of Directors and other stakeholders. Commercial Credit Review is seeking multiple Senior Managers who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The commercial portfolio includes, but is not limited to, Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Energy, Counterparty Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Manager will contribute towards the execution of the annual Credit Review plan and work cross-functionally across Credit Review teams 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. Primary responsibilities include: * Completing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings * Analyzing portfolio composition to identify trends and risks and provide an opinion on portfolio quality * Participating in or leading Targeted Reviews to assess key risks in a given portfolio or across portfolios * Identifying gaps in credit policy, credit processes, and credit risk rating models * Identifying key and emerging risks * Effectively communicating results to executive level management, regulators and other key stakeholders * Building and maintaining effective working relationships across all three lines of defense * Acting 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. * May be asked to develop and execute against monitoring plans * May be asked to assist in or lead the completion of quarterly Business Assessment Reports * May be asked to lead special projects Basic Qualifications: * Bachelor's degree or Military experience * At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory) Preferred Qualifications: * Master's degree * Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA) * Ability to support conclusions through fact-based analysis and ability to influence senior leaders; strong written and verbal communication skills * Excellent credit analysis and financial analysis skills * Strong organizational skills * Ability to manage multiple complex tasks while delivering high quality results * Leadership experience and strong leadership skills * Demonstrated experience in identifying, assessing and reporting on existing and emerging risks * Experience with direction applicability to Credit Review responsibility * Ability to navigate across a large organization and work with cross-functional teams At this time, Capital One will not sponsor a new candidate 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. Charlotte, NC: $175,500 - $200,300 for Sr. Credit Review Manager McLean, VA: $193,000 - $220,300 for Sr. Credit Review Manager New York, NY: $210,500 - $240,300 for Sr. Credit Review Manager Plano, TX: $175,500 - $200,300 for Sr. Credit Review Manager Richmond, VA: $175,500 - $200,300 for Sr. Credit Review Manager 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 (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 ************** 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 ********************** 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).

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: * Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities * Assists, educates, and trains clients on conducting simple transactions through self-service technologies * Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy * Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping * Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: * Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment * In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months * Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client * Collaborates effectively to get things done, building and nurturing strong relationships * Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives * Confident in identifying solutions for helping new and existing clients based on their needs * Strong written and verbal communications skills * Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) * Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances * Applies strong critical thinking and problem-solving skills to meet clients' needs * Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously * Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) * Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance Desired Qualifications: * Associate's Degree or Bachelor's Degree in business, finance or a related field * Experience working in a financial center where goals were met or exceeded * Retail and/or sales experience in a salary plus incentive environment * Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded * Experience with financial information, spreadsheets and financial skills * Knowledge of banking products and services * Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: * Active Listening * Business Acumen * Customer and Client Focus * Oral Communications * Problem Solving * Account Management * Client Experience Branding * Client Management * Client Solutions Advisory * Relationship Building * Business Development * Pipeline Management * Prospecting * Referral Identification * Referral Management Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

The Consumer Credit Review Senior Manager is responsible for executing independent, risk-based assurance reviews within Capital One's Consumer credit portfolios (card and auto). This includes assessment of credit strategies and practices, effectiveness of policy implementation and risk governance. The Senior Manager will also contribute towards the execution of the annual Credit Review operating plan by leading reviews of credit processes or products, performing monitoring of credit trends and credit changes in the assigned portfolios and in horizontal reviews. Through planned reviews and continuous monitoring activities the Senior Manager will be exposed to a great level of depth and breadth of full spectrum lending activities (acquisition, customer management, etc) managed by the first and second-line. They will provide effective challenge to Accountable Executives in a constructive manner to drive positive changes and business impact. Further, this associate will be responsible for building and maintaining working relationships with line of business management and key associates within the risk management organization. General Responsibilities: Conducting risk-based reviews covering consumer line(s) of businesses Identifying credit process weaknesses Identifying emerging trends and issues Perform independent data analysis to support or identify gaps in credit policies Tracking of identified issues to resolution Communicating Credit Review assurance results with exceptional verbal and written communication skills, demonstrating strong clear thinking and succinct delivery of message Reporting results and issues verbally and in writing to executive management and internal credit and risk senior executives Working with regulators and external auditors to provide assurance that Credit Review processes are sound Building and maintaining high trust relationships with credit risk executives, associates, and regulators Acting as an approachable advisor to business partners by developing continuous and effective communication channels for all stakeholders Showing ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results Basic Qualifications: Bachelor's degree or military experience At least 7 years of professional business and data analysis experience At least 3 years of experience in consumer lending (credit card and auto loans) credit risk policy, risk analytics or strategy development At least 3 years of experience influencing senior level executives or regulators Preferred Qualifications: Master's Degree Consumer credit training from a large national or regional bank or equivalent training in a regulatory office (Office of the Comptroller of the Currency (OCC), Federal Reserve) Credit risk modeling, audit or assurance experience 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: $175,500 - $200,300 for Sr. Credit Review Manager McLean, VA: $193,000 - $220,300 for Sr. Credit Review Manager New York, NY: $210,500 - $240,300 for Sr. Credit Review Manager Plano, TX: $175,500 - $200,300 for Sr. Credit Review Manager Richmond, VA: $175,500 - $200,300 for Sr. Credit Review Manager Wilmington, DE: $175,500 - $200,300 for Sr. Credit Review Manager 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 (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 ************** 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 ********************** 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).

Capital One's Credit Review organization is a third line of defense function that is responsible for providing an independent assessment of the Company's credit quality, key and emerging risks, and credit process execution to the Risk Committee of the Board of Directors and other stakeholders. Commercial Credit Review is seeking multiple Senior Managers who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The commercial portfolio includes, but is not limited to, Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Energy, Counterparty Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Manager will contribute towards the execution of the annual Credit Review plan and work cross-functionally across Credit Review teams 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. Primary responsibilities include: + Completing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings + Analyzing portfolio composition to identify trends and risks and provide an opinion on portfolio quality + Participating in or leading Targeted Reviews to assess key risks in a given portfolio or across portfolios + Identifying gaps in credit policy, credit processes, and credit risk rating models + Identifying key and emerging risks + Effectively communicating results to executive level management, regulators and other key stakeholders + Building and maintaining effective working relationships across all three lines of defense + Acting 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. + May be asked to develop and execute against monitoring plans + May be asked to assist in or lead the completion of quarterly Business Assessment Reports + May be asked to lead special projects Basic Qualifications: + Bachelor's degree or Military experience + At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory) Preferred Qualifications: + Master's degree + Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA) + Ability to support conclusions through fact-based analysis and ability to influence senior leaders; strong written and verbal communication skills + Excellent credit analysis and financial analysis skills + Strong organizational skills + Ability to manage multiple complex tasks while delivering high quality results + Leadership experience and strong leadership skills + Demonstrated experience in identifying, assessing and reporting on existing and emerging risks + Experience with direction applicability to Credit Review responsibility + Ability to navigate across a large organization and work with cross-functional teams At this time, Capital One will not sponsor a new candidate 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. Charlotte, NC: $175,500 - $200,300 for Sr. Credit Review Manager McLean, VA: $193,000 - $220,300 for Sr. Credit Review Manager New York, NY: $210,500 - $240,300 for Sr. Credit Review Manager Plano, TX: $175,500 - $200,300 for Sr. Credit Review Manager Richmond, VA: $175,500 - $200,300 for Sr. Credit Review Manager 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 (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 ************** 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 ********************** 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).

At Capital One, we're building a leading information-based technology company. 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. About the Role: Capital One's Legal Department is seeking a highly motivated attorney to serve as a legal expert on a law of foundational importance to the company's major lines of business, including its credit card divisions: the Fair Credit Reporting Act (FCRA). The attorney in this position will join our small team of legal professionals focusing on rapidly evolving areas in privacy and consumer protection, including data sharing and generative AI. This attorney will be responsible for interpreting FCRA and providing advice in support of numerous business-critical initiatives concerning the use of consumer reports. In this role, you will work closely with colleagues within the Legal Department, as well as with business, compliance, and risk partners across Capital One. You will operate at the intersection of financial services and technology, and you will issue-spot, problem-solve, and innovate to assess and mitigate legal risk in a competitive market. We are looking for a candidate with an ownership mentality who also enjoys being part of a team, who can interact with and influence across departments and job levels, and who demonstrates curiosity, humility, and a good sense of humor. A successful candidate will bring: + demonstrated judgment; + exceedingly clear and accessible writing; + genuine curiosity about about technology and business processes; + nuanced awareness of developments in the regulatory environment; + a persistent desire to understand the sources, evolution, and policy rationales behind the law; and + the ability to express complex concepts in simple terms to non-experts. Basic Qualifications: + Juris Doctor from an accredited law school + Active member in good standing of at least one state bar + At least four years of experience as an attorney in a law firm environment, at a government agency, as a military judge advocate, or as in-house counsel Preferred Qualifications: + Experience advising on or litigating the Fair Credit Reporting Act + Experience in federal regulation, supervision, or enforcement + Experience in data privacy or appropriate data use + Background in consumer financial services law At this time, Capital One will not sponsor a new applicant for employment authorization for this position. This role is hybrid, meaning associates spend 3 days per week in-person at one of our offices listed on this job posting. 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. McLean, VA: $193,000 - $220,300 for Sr. Manager, Sr. Counsel Richmond, VA: $175,500 - $200,300 for Sr. Manager, Sr. Counsel 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 (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 ************** 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 ********************** 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).

At Capital One, we're building a leading information-based technology company. 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. About the Role: Capital One's Legal Department is seeking a highly motivated attorney to serve as a legal expert on a law of foundational importance to the company's major lines of business, including its credit card divisions: the Fair Credit Reporting Act (FCRA). The attorney in this position will join our small team of legal professionals focusing on rapidly evolving areas in privacy and consumer protection, including data sharing and generative AI. This attorney will be responsible for interpreting FCRA and providing advice in support of numerous business-critical initiatives concerning the use of consumer reports. In this role, you will work closely with colleagues within the Legal Department, as well as with business, compliance, and risk partners across Capital One. You will operate at the intersection of financial services and technology, and you will issue-spot, problem-solve, and innovate to assess and mitigate legal risk in a competitive market. We are looking for a candidate with an ownership mentality who also enjoys being part of a team, who can interact with and influence across departments and job levels, and who demonstrates curiosity, humility, and a good sense of humor. A successful candidate will bring: * demonstrated judgment; * exceedingly clear and accessible writing; * genuine curiosity about about technology and business processes; * nuanced awareness of developments in the regulatory environment; * a persistent desire to understand the sources, evolution, and policy rationales behind the law; and * the ability to express complex concepts in simple terms to non-experts. Basic Qualifications: * Juris Doctor from an accredited law school * Active member in good standing of at least one state bar * At least four years of experience as an attorney in a law firm environment, at a government agency, as a military judge advocate, or as in-house counsel Preferred Qualifications: * Experience advising on or litigating the Fair Credit Reporting Act * Experience in federal regulation, supervision, or enforcement * Experience in data privacy or appropriate data use * Background in consumer financial services law At this time, Capital One will not sponsor a new applicant for employment authorization for this position. This role is hybrid, meaning associates spend 3 days per week in-person at one of our offices listed on this job posting. 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. McLean, VA: $193,000 - $220,300 for Sr. Manager, Sr. Counsel Richmond, VA: $175,500 - $200,300 for Sr. Manager, Sr. Counsel 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 (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 ************** 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 ********************** 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).

Data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making. As a Data Scientist at Capital One, you'll be part of a team that's leading the next wave of disruption at a whole new scale, using the latest in computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives. In Capital One's Credit Review Model, Data and Innovative Solutions Team, we defend the company against model failures and find new ways of making better decisions with models. We use our statistics, software engineering, and business expertise to drive the best outcomes in both Risk Management and the Enterprise. We understand that we can't prepare for tomorrow by focusing on today, so we invest in the future: investing in new skills, building better tools, and maintaining a network of trusted partners. We partner with best-in-class data scientists, analysts, credit risk management experts, and engineers to innovate solutions that directly impact the company's bottom line in a meaningful way. We do it all in a collaborative environment that values individual insight, encourages each associate to take on new responsibilities, promotes continuous learning, and rewards innovation. **In this role, you will:** + Partner with a cross-functional team of data scientists, software engineers, and product managers to deliver a product customers love + Leverage a broad stack of technologies - Python, Conda, AWS, H2O, Spark, and more - to reveal the insights hidden within huge volumes of numeric and textual data + Build statistical and machine learning models to challenge the models in production + Flex your interpersonal skills to translate the complexity of your work into tangible business goals **The Ideal Candidate is:** + Innovative. You continually research and evaluate emerging technologies. You stay current on published state-of-the-art methods, technologies, and applications and seek out opportunities to apply them. + Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You're not afraid to share a new idea. + Technical. You're comfortable with open-source languages and are passionate about developing further. You have hands-on experience developing data science solutions using open-source tools and cloud computing platforms. + Statistically-minded. You've built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning. **Basic Qualifications:** + Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date: + A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 7 years of experience performing data analytics + A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 5 years of experience performing data analytics + A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 2 years of experience performing data analytics + At least 2 years of experience leveraging open source programming languages for large scale data analysis + At least 2 years of experience working with machine learning + At least 2 years of experience utilizing relational databases **Preferred Qualifications** + PhD in "STEM" field (Science, Technology, Engineering, or Mathematics) plus 4 years of experience in data analytics + At least 5 years of experience in Python, Scala, or R for large scale data analysis + At least 5 years of experience with machine learning + At least 5 years of experience with SQL + Experience in the Banking or Financial industry **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. Richmond, VA: $204,900 - $233,800 for Sr Mgr, Data Science Cambridge, MA: $225,400 - $257,200 for Sr Mgr, Data Science Charlotte, NC: $204,900 - $233,800 for Sr Mgr, Data Science Chicago, IL: $204,900 - $233,800 for Sr Mgr, Data Science McLean, VA: $225,400 - $257,200 for Sr Mgr, Data Science Plano, TX: $204,900 - $233,800 for Sr Mgr, Data Science 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 (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 ************** 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 ********************** 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).

Data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making. As a Data Scientist at Capital One, you'll be part of a team that's leading the next wave of disruption at a whole new scale, using the latest in computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives. In Capital One's Credit Review Model, Data and Innovative Solutions Team, we defend the company against model failures and find new ways of making better decisions with models. We use our statistics, software engineering, and business expertise to drive the best outcomes in both Risk Management and the Enterprise. We understand that we can't prepare for tomorrow by focusing on today, so we invest in the future: investing in new skills, building better tools, and maintaining a network of trusted partners. We partner with best-in-class data scientists, analysts, credit risk management experts, and engineers to innovate solutions that directly impact the company's bottom line in a meaningful way. We do it all in a collaborative environment that values individual insight, encourages each associate to take on new responsibilities, promotes continuous learning, and rewards innovation. In this role, you will: * Partner with a cross-functional team of data scientists, software engineers, and product managers to deliver a product customers love * Leverage a broad stack of technologies - Python, Conda, AWS, H2O, Spark, and more - to reveal the insights hidden within huge volumes of numeric and textual data * Build statistical and machine learning models to challenge the models in production * Flex your interpersonal skills to translate the complexity of your work into tangible business goals The Ideal Candidate is: * Innovative. You continually research and evaluate emerging technologies. You stay current on published state-of-the-art methods, technologies, and applications and seek out opportunities to apply them. * Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You're not afraid to share a new idea. * Technical. You're comfortable with open-source languages and are passionate about developing further. You have hands-on experience developing data science solutions using open-source tools and cloud computing platforms. * Statistically-minded. You've built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning. Basic Qualifications: * Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date: * A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 7 years of experience performing data analytics * A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 5 years of experience performing data analytics * A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 2 years of experience performing data analytics * At least 2 years of experience leveraging open source programming languages for large scale data analysis * At least 2 years of experience working with machine learning * At least 2 years of experience utilizing relational databases Preferred Qualifications * PhD in "STEM" field (Science, Technology, Engineering, or Mathematics) plus 4 years of experience in data analytics * At least 5 years of experience in Python, Scala, or R for large scale data analysis * At least 5 years of experience with machine learning * At least 5 years of experience with SQL * Experience in the Banking or Financial industry 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. Richmond, VA: $204,900 - $233,800 for Sr Mgr, Data Science Cambridge, MA: $225,400 - $257,200 for Sr Mgr, Data Science Charlotte, NC: $204,900 - $233,800 for Sr Mgr, Data Science Chicago, IL: $204,900 - $233,800 for Sr Mgr, Data Science McLean, VA: $225,400 - $257,200 for Sr Mgr, Data Science Plano, TX: $204,900 - $233,800 for Sr Mgr, Data Science 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 (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 ************** 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 ********************** 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).