Sr. Associate, Credit Card Portfolio Management, Boston, MA at Santander

Boston, Massachusetts, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Bachelor's Degree or equivalent work experience in Business, Economics, Finance or equivalent field. - Required
Master’s Degree in Business, Economics, Finance or equivalent field. - Preferred
9+ Years Related work experience. - Required
5+ years of experience in credit card portfolio management, lifecycle marketing, or consumer banking strategy. – Required
Strong understanding of credit card P&L, product economics, and customer value drivers
Proven track record managing balance growth, spend stimulation, activation, and retention strategies
Hands-on experience leveraging segmentation to drive personalization and ROI
Analytical acumen with ability to derive insights from large datasets (Excel, SQL, or dashboarding tools)
Excellent communication and stakeholder engagement skills
Experience in a top 20 U.S. bank or credit card issuer. - Preferred
Familiarity with risk-adjusted return frameworks and pricing optimization. - Preferred

Responsibilities

Lead Lifecycle Optimization: Design and execute customer-level strategies to optimize credit card performance through the full lifecycle—activation, usage, balance transfers, spend growth, and retention
Drive Portfolio Profitability: Enhance portfolio revenue by increasing revolving balances, improving balance build strategies, and identifying levers to optimize P&L performance across customer segments
Develop Segmentation Strategies: Partner with decision science team to define and refine credit card segmentation models to tailor actions across transactors, revolvers, dormant users, and high-risk segments
Campaign Management & Execution: Collaborate with marketing, risk, and digital to develop data-driven campaigns to increase purchase volume and reduce early life churn
Performance Monitoring: Own key performance indicators (KPIs) across customer cohorts and initiatives. Continuously monitor results, test and learn, and refine strategies based on insights
Cross-functional Leadership: Work closely with Product, Risk, Marketing, Finance, and Technology teams to align lifecycle strategies with broader credit card business objectives

Skills

Portfolio Management

Customer Segmentation

P&L Optimization

Lifecycle Strategies

Credit Card Analytics

Activation Strategies

Retention Strategies

Balance Growth

Revolving Balances

Spend Growth

Santander

Provides banking, investment, and insurance services

About Santander

Santander Bank provides a variety of financial services to individuals, small businesses, and large corporations in the United States. Its offerings include savings and checking accounts, loans, credit cards, and investment products. The bank also has specialized services through Santander Investment Services and insurance products via Santander Securities LLC. Santander stands out from its competitors by focusing on community growth, committing $13.6 billion to support initiatives like the 'Cultivate Small Business' program, which aids early-stage entrepreneurs, especially from underrepresented groups. The bank generates revenue through interest on loans, service fees, and commissions, while promoting responsible banking practices and financial education. Santander's goal is to empower individuals and businesses, enhance community prosperity, and provide comprehensive financial solutions.

Boston, MassachusettsHeadquarters

1902Year Founded

$75MTotal Funding

POST_IPO_DEBTCompany Stage

Fintech, Financial ServicesIndustries

10,001+Employees

Benefits

Health, dental, & vision

401k

Flexible PTO

Parental & sick leave

Discounts: technology, travel, auto, fitness, & tuition

Risks

ISO 20022 transition may challenge smaller business partners.

'Quishing' attacks pose a growing threat to consumer security.

Openbank faces competition in the U.S. high-yield savings market.

Differentiation

Santander's Openbank offers a 5.00% APY high-yield savings account nationwide.

The bank's Inclusive Communities Plan pledges $13.6 billion for community initiatives.

Santander's ISO 20022 adoption enhances operational efficiency and data management.

Upsides

Openbank's high-yield savings account attracts more U.S. customers.

Santander's renewable energy financing highlights commitment to sustainable investments.

Proactive cybersecurity measures enhance customer trust and protect digital assets.

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