# Senior Director Software Engineering - CTO at Capital One

AI Level 2, AI centrality 45 out of 100. Plano, TX.

## Details

- Company: [Capital One](https://jobsbylevel.com/companies/capital-one)
- AI level: AI Level 2 (score 45 out of 100)
- Location: Plano, TX
- Posted: October 7, 2026
- Apply: https://jobsbylevel.com/go/bd2a9694-5071-4e20-9808-d6986cba6d20

## Description

Senior Director Software Engineering - CTO Chief Technology Officer, Auto Refinance Why we are taking a bet on us: Auto Refinance is one of our fastest-growing lending businesses within the Capital One Financial Services division. With our customer base holding over $1 trillion in auto debt at other institutions, there is a massive addressable opportunity within our existing footprint. Our competitive advantage stems from our software and decisioning infrastructure, which features cutting edge technology to empower every Capital one customer to switch and save in 5 minutes and maintaining our market leadership requires continued innovation and architectural evolution. Auto Refinance offers unmatched end-to-end business ownership, where you will shape the technology stack across the complete lending lifecycle—from top-of-funnel marketing targeting to downstream lien perfection. Who you are: You are a builder and a disrupter. You have a proven track record of shaping product and customer journey through technical innovation, unmatched end to end ownership, and leadership. You have the drive and passion to be at the forefront of tech innovations, experiment with new technologies, outside-of-the-box thinking, and collaboration. You have a proven track record of: Designing and operating high-throughput, low-latency transaction and decisioning platforms in consumer finance or related high-scale distributed environments. Deep familiarity with decoupling shared monoliths into resilient, event-driven services. Integrating generative AI and automated developer tooling into the core PDLC to elevate code quality, automate test generation, and manage defect containment at high velocity. Build strong partnerships across Credit Strategy, Product Management, Legal/Compliance, and enterprise platform teams Influence decisions and roadmaps through practical understanding of consumer credit mechanics, real-time risk decisioning, cash-flow valuation models, and lending compliance frameworks (Reg B, FCRA, adverse action). Demonstrated building and developing strong engineering organization, establishing technical standards, developing engineering leaders, and fostering a culture of ownership, innovation, and customer impact. What you'll do: Own the technology stack across the complete lending lifecycle end-to-end: top-of-funnel marketing targeting, real-time credit underwriting and pricing, digital application and offer experiences, automated funding operations, customer contact strategy, and downstream lien perfection. Hold direct accountability for technology capital allocation, platform roadmaps, and engineering team across a $6.1 billion run-rate business. Lead, manage, and grow multiple teams of product-focused software engineers across Agile teams to design, develop, test, and implement technical solutions across full-stack development tools. Design and deliver our destination architecture by integrating real-time account-level valuations natively as our primary offers decisioning engine, ensuring full lifetime cash-flow projections return in seconds. Scale our automated funding pipeline to achieve 90%+ zero-touch funding by architecting robust automated verification pipelines and exception-handling frameworks. Re-engineer cross-enterprise lien perfection systems by building an adaptable, rules-as-code title orchestration platform that integrates internal trackers with external data feeds to manage state-level regulatory shifts and fraud defenses. Modernize data architecture that ingest complex data directly into our marketing engine to enable pre-application Guaranteed Rate offers. Build event-driven integration layers to surface refinance offers contextually within adjacent customer touchpoints, including Auto Navigator trade-in flows and My Garage vehicle management. Transition teams to an AI-native engineering organization by deploying autonomous code-review agents, AI-generated synthetic test suites, and predictive telemetry to lower

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