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Angelique Augereau, Chief Analytics Officer, Us Card, Capital One

Describe your career to date

In brief, it’s been non-linear, diverse and adventurous! I have had four distinct phases that have all built on each other by coincidence rather than construction.  


Management consulting: I started my career at McKinsey & Co. in Japan, India, Brazil and the US. This experience gave me a strong set of foundational skills that underpin who I am professionally.


Entrepreneurship: working in funded scrappy start-ups expanded my ways of working as I engaged in every aspect of the business. Building and leading cross functional teams inventing the future, there’s no playbook, you figure it out day by day, a state of constant iterating and evolution in how you operate.


Intrapreneurship: my experience in consulting and startups-ups helped tremendously here. I built the data innovation team from the ground up in the payments business at J.P. Morgan. Taking the hardest parts of being in a startup and a large company and combining them together! Here I sharpened my storytelling skills, as well as building products at scale in a complex environment.  


Executing at Scale: I now lead a large team harnessing the powering of data and ML across the entire customer experience for Capital One’s US credit card business.


My conviction is that truly sustainable growth and profitability can be unlocked by data-driven intelligence supporting decisions at scale. As a leader, I’m known for a willingness to challenge the status quo as well as attracting, developing and inspiring top talent to cultivate high performing teams. In particular in a technical field, I prioritize coaching my team to become great leaders, on top of great technical experts. I care deeply about creating an environment where people are continually challenged to grow and where lifelong friendships are forged.  

What stage has your organization reached on its data maturity journey?

We’ve been on a journey to transform our data ecosystem to enable personalized experiences for our millions of customers. This has included building new data management platforms in the cloud and working to solve new challenges across the data ecosystem – from internal data publishing, consumption and governance to infrastructure management. We’ve made great progress, but as in all things in the world of data, our journey continues and there is always more to learn and evolve.  


Tell us about the data and analytics resources you are responsible for

At Capital One, my team is one of the core central functions of the Card organization. I lead a passionate team of several hundred experts across data science, product management, design, strategy and innovation. We are very tightly aligned with our business partners. Together we help power the strategic goals and objectives of the Card business through the use of AI, machine learning and big data. We are spread across multiple locations across the US.

What challenges do you see for data in the year ahead that will have an impact on your organization and on the industry as a whole? 

I see three broad macro challenges ahead, all driven by a positive underlying root cause: that the opportunities enabled by increasing volumes of data and improved capabilities are exploding.  


Building capacity and capability fast enough. Having strong talent acquisition and retention strategies are paramount to success given the competition for talent. It’s critical to have clear career paths for data scientists, particularly important as our profession matures.  


Maximizing impact. We have built an ML strategy and innovation team to prioritize strategic decisions and drive outsized impact across time horizons. With the speed of change of capabilities and rapidly increasing demand, this is becoming increasingly important for all organizations. On my team we say, “from model first to impact first.”  


Embedding ML into the fabric of an organization can create substantial value but requires a significant amount of business change. Along with business fluency comes business empathy; it’s not enough to derive an answer, it is just as important to help our business partners understand how to get there. Data and ML teams need to be equal parts technical experts, storytellers and change agents.  


Have you set out a vision for data? If so, what is it aiming for and does it embrace the whole organization or just the data function?

At Capital One, data is the air that we breathe. I have found that it’s most impactful to establish a multi-year vision and strategy that is tightly linked to the business strategy and as such can drive impact across the value chain. It’s important to have a seat at the table in order to advance the broader business strategy to ensure it is informed by the possibilities of machine learning. At Capital One, machine learning is a fundamental part of how we run our businesses and provide value to our customers. 

Angelique Augereau
has been included in:
  • 100 Brands 2023 (USA)
  • No. 2 100 Brands 2023 (USA)