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Job description
Position: Associate Director, Analytics-Credit Cards
Location: Charlotte, NC (Hybrid)
Overview
We are currently seeking an Associate Director for our Credit Card Analytics team in Charlotte, NC to help grow our new credit card business. In this critical role, the selected individual will help the analytics team for the newly launched credit card business and lead the card’s new account strategy team, driving credit policy and growth.
In the Role
Develop and manage key acquisition strategies to grow exposure profitably: approve/decline, initial credit line, and pricing.
Develop targeting strategy across all channels (Direct Mail, Affiliates) to deliver new account growth while reducing acquisition costs.
Manage third‑party partner relations with affiliate partners.
Create a pipeline of new channels for new account bookings.
Generate channel & segment level NPV valuations.
Partner with Underwriting and Product teams to optimize booking rates.
Partner with Data Science to evaluate alternative data sources and develop and implement cutting‑edge underwriting models.
Design and manage A/B testing around initial credit line.
Collaborate with Technology, Engineering, and Implementation partners to drive timely change across different platforms.
Build and develop a team of analysts supporting long‑term card product growth.
Requirements
Bachelor’s degree (Graduate Preferred) in a quantitative discipline such as Engineering, Statistics, Economics, Business Management, or Computer Science.
7+ years of experience in a data‑driven analytics environment; consumer lending, credit cards, or Fintech preferred; PhD degrees may offset experience.
Advanced analytical skillset using tools such as SQL and Excel; experience with multiple relational databases and/or querying languages is a plus.
Innovative and capable of developing a highly analytical approach to solving problems, preferably within consumer lending.
Strong communication, interpersonal and negotiation skills to achieve business objectives.
Ability to work in a fast‑paced, ever‑changing environment and juggle an array of tasks and individuals on tight timelines.
4+ years as a people manager.
Preferred
Demonstrates the ability to balance strategic thinking and credit policy delivery.
Strong team leader with focus on employee development and proven ability to build and lead large, talented teams across geographies and time zones.
Excellent communication skills and ability to influence senior executives and peers across functions.
Ability to synthesize insights across different sources into a comprehensive and holistic strategy.
Exhibits energy, curiosity, and ability to frame intelligent questions to uncover issues and spearhead the formulation of approach and methodology.
Self‑motivated and organized – comfortable managing multiple stakeholders and team members; strong collaboration and teamwork skills; problem‑solver oriented toward achieving results.
Benefits
Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurance.
Up to 4% matching 401(k).
Employee Stock Purchase Plan (10% share discount).
Tuition reimbursement.
Paid time off (15 days’ vacation per year, plus 2 personal days, prorated based on start date).
Paid sick leave as determined by state or local ordinance, prorated based on start date.
Paid holidays (7 days per year, based on start date).
Paid volunteer time (3 days per year, prorated based on start date).
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Worksite address
montgomery, AL, 36136, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.