Senior Manager, Payments & Financial Analytics

Job Summary

The Director of Financial Services & Analytics is responsible for supporting profitable performance, risk optimization, and member/customer value across the credit card portfolio. This role will support portfolio performance, payment applications, product performance, customer and lifecycle management contributing to the overall strategy, and will assist in P&L analysis. The role will partner closely with Finance, Risk, Marketing, Operations, and Technology to optimize acquisition, engagement, retention, and payment processing performance.

Essential Duties

Credit Card Portfolio Strategy & Management

• Support VP in P&L management including revenue, billing performance, interchange, fee income, and expense management
• Develop and contribute to strategic growth around acquisition, activation, and usage
• Support pricing strategy development, line assignment, balance transfer strategy, and promotional programs
• Monitor portfolio performance and recommend actions to improve risk-adjusted returns
• Evaluate new product features, rewards structures, and partnership opportunities

Analytics & Decision Science Leadership

• Develop and maintain segmentation models, profitability modeling, lifetime value analysis, and forecasting
• Support test-and-learn experimentation frameworks (A/B testing, champion/challenger models)
• Translate data insights into actionable business strategies
• Build and evolve customer and internal facing payment applications, dashboards and KPIs for executive reporting
• Serve as subject matter expert in SQL-based data environments; extract, manipulate and interpret large transactional datasets.

Credit Risk & Compliance

• Ensure adherence to regulatory requirements
• Support internal audits and regulatory exams

Treasury Knowledge

• Partner with Finance and Treasury to analyze payment flows and provide recommendations to settlement timing, liquidity forecasting, and transaction cost management
• Oversee payment operations within utility/banking frameworks, ensuring operational efficiency and financial control
• Evaluate and improve billing processes, interchange optimization, fee income, and cost of funds
• Analyze transaction lifecycle performance including authorization rates, disputes, fraud exposure, and chargebacks ratios and improve payment acceptance
• Develop strategies to reduce chargeback

Customer Lifecycle Management

• Optimize customer journey from acquisition through retention
• Develop activation campaigns and engagement strategies
• Identify attrition risk and implement retention strategies
• Drive digital engagement and card-on-file strategies

Cross-Functional Leadership

• Collaborate with Finance on forecasting and capital planning
• Partner with Marketing on targeted campaigns and acquisition strategy
• Work with Technology to enhance data infrastructure and reporting
• Support relationships with payment processors, banks, networks (e.g., Visa/Mastercard), and external vendors

Knowledge, Skills, & Abilities

Required

• 8+ years of experience in payment processing portfolio management, treasury management, or financial analytics
• Strong understanding of, pricing strategy, and portfolio optimization
• Advanced analytical capability (SQL, LLM's, Python, R, SAS, or similar tools)
• Experience supporting P&L analysis, forecasting and reporting or large product portfolio
• Proven leadership experience managing analytical and/or product teams
• Bachelor's degree in Finance, Economics, Data Analytics, Business, Computer Science, or a related field, or equivalent combination of education and relevant professional experience
• Strong executive communication skills

Preferred

• Experience in fintech, bank, or credit union environments
• MBA, CFA, or advanced quantitative degree
• Experience with regulatory compliance in payment processing
• Familiarity with risk modeling frameworks

Leadership Competencies

• Strategic thinking
• Data-driven decision making
• Cross-functional influence
• Regulatory awareness
• Operational discipline
• Talent development

Minimum Physical Requirements

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.
• While performing the essential functions of this position, employees must be able to see and communicate.
• Employees are regularly required to maintain a stationary position, move, and operate computer keyboards or office equipment.