Business Director, Emerging Network Strategy

As a Business Director at Capital One, you will apply your strategic and analytical skills to major company challenges. You’ll team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you will do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.

Within our Global Payments Network, the Innovation Team is seeking a highly analytical and strategic Business Director to define our early-stage strategic approach to the future of payments. Acting as a strategic thought partner to executive leadership, this role will tackle the ambiguity of fast-moving technologies (GenAI, stablecoins, digital identity, tokenization) and translate them into clear strategic directives.

In this highly visible role, you will:

• Navigate Ambiguity & Complexity: Apply a structured, hypothesis-driven approach to deconstruct complex emerging trends. Architect the strategic frameworks used by leadership to evaluate, size, and prioritize net-new business opportunities.
• Executive Advisory & Scenario Planning: Scope abstract problems and develop rigorous business cases and future-state scenarios. Deliver executive-grade insights that advise senior network leadership on long-term technological impacts and defensive postures.
• Market Scanning & Ecosystem Strategy: Cultivate a curated network of strategic partnerships to close capability gaps, gain early market intelligence, and validate our strategic hypotheses.
• Risk-Adjusted Innovation: Balance visionary thinking with pragmatic skepticism. Identify how technologies can disrupt or augment existing business models while designing early-stage strategies to intercept and mitigate structural risks.

The successful candidate brings a strong foundation in corporate strategy or top-tier management consulting, with exposure to the payments, fintech, or broader financial services ecosystem. You excel as an individual contributor in autonomous, unstructured environments, possess exceptional executive presence, and have a proven ability to frame complex, ambiguous problems into clear, strategic directives.

General Responsibilities:

• Strategic leadership:  Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory demands
• Leadership:  May manage and develop multiple analysts.  Coaching and mentoring associates with a goal of developing and retaining talent at Capital One
• Product:  Develop and implement new product and pricing strategies for various lending products; lead product level data modeling/analytics
• Marketing:  Lead direct-to-consumer marketing efforts for select products, and strategic intent for products distributed through the retail channel.  Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go-to-market strategies
• Credit Risk:  Drive step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis
• Execution:  Manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently
• Partnership:  Work closely with colleagues across Capital One including:  IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability
• Strategic; analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management
• Strong business judgment, leadership and integrity: They should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business
• Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise. They should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results
• Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills
• Clear results orientation: display an intense focus on achieving both short and long term goals. They should be able to drive and execute an agenda in an uncertain and fluid environment
• Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus

Basic Qualifications:

• Bachelor’s Degree
• At least 4 years of experience performing quantitative analysis
• At least 4 years of experience performing qualitative analysis
• At least 2 years of experience performing people management
• At least 2 years of experience performing project management

Preferred Qualifications:

• Master’s Degree
• 2+ years of experience in financial services
• 1+ year of experience in consulting

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.

McLean, VA: $230,400 - $263,000 for Business Director

Riverwoods, IL: $209,500 - $239,100 for Business Director

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 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com

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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).