5+ years in Business Development, Product Management, or Marketing within payments or fintech industries.
Deep understanding of the US credit card market and consumer behaviors.
Proven experience in developing strategic partnerships and negotiating agreements.
Strong analytical skills for market analysis and business case development.
Excellent communication and stakeholder management abilities.
Ability to manage multiple initiatives independently.
Entrepreneurial mindset focused on growth and innovation.
Responsibilities
Act as the primary expert on the US credit card market and industry trends.
Conduct market intelligence and competitive benchmarking.
Identify new business opportunities for product growth and customer engagement.
Support the design and optimization of the credit card value proposition.
Develop and manage strategic relationships with key partners.
Build business cases for new initiatives and product enhancements.
Collaborate with cross-functional teams to execute growth initiatives.
Benefits
Opportunity to work in a dynamic and evolving industry.
Engagement with strategic partners and industry leaders.
Access to professional development and growth opportunities.
Collaborative work environment across multiple teams.
Full Job Description
Position overview
The Business Development Manager - US Cards will serve as the subject matter expert for the Bank's credit card business in the United States. This role is responsible for continuously monitoring the US payments and cards market, identifying growth opportunities, supporting product strategy and value proposition development, establishing and managing strategic partnerships, and driving customer acquisition and engagement.
The ideal candidate combines strong knowledge of the US credit card industry with strategic thinking, commercial acumen, and the ability to work cross-functionally across product, marketing, partnerships, analytics, and operations teams.
Key Responsibilities:
Act as the Bank's primary expert on the US credit card market, including industry trends, competitive landscape, customer needs, and emerging opportunities.
Conduct ongoing market intelligence and competitive benchmarking of issuers, fintechs, co-branded programs, rewards ecosystems, and card value propositions.
Identify new business opportunities to enhance product growth, customer acquisition, engagement, and profitability.
Support the design, evolution, and optimization of the credit card value proposition, including rewards, benefits, pricing, partnerships, and customer experience.
Develop and manage strategic relationships with merchants, loyalty partners, fintechs, and other ecosystem participants.
Build business cases and recommendations to support new initiatives, partnerships, and product enhancements.
Collaborate with Product, Marketing, Analytics, Operations, Compliance, and Technology teams to execute growth initiatives.
Design and implement acquisition strategies to increase product adoption and portfolio growth.
Analyze portfolio performance, customer behavior, market trends, and competitive positioning to identify opportunities and risks.
Develop and oversee customer communication strategies, engagement campaigns, and lifecycle programs to drive card activation, usage, retention, and cross-sell opportunities.
Support the creation and execution of go-to-market plans for new products, features, benefits, and partnerships.
Monitor key business metrics and provide insights and recommendations to senior leadership.
Represent the Bank in industry events, conferences, partner meetings, and strategic discussions related to the payments and cards ecosystem.
Required Qualifications
5+ years of experience in Business Development, Product Management, Partnerships, Strategy, or Marketing within the payments, credit card, banking, fintech, or loyalty industries.
Deep understanding of the US credit card market, including consumer behaviors, rewards programs, co-brand partnerships, issuer economics, and competitive dynamics.
Proven experience developing strategic partnerships and negotiating commercial agreements.
Demonstrated ability to conduct market analysis, competitive benchmarking, and business case development.
Strong analytical and problem-solving skills, with the ability to translate insights into actionable recommendations.
Excellent communication, presentation, and stakeholder management skills.
Ability to work independently and manage multiple strategic initiatives simultaneously.
Entrepreneurial mindset with a strong focus on growth, innovation, and execution.
Advanced proficiency in Microsoft Office Suite, particularly Excel and PowerPoint.
Experience working in international environments and with US-based products is highly preferred.
Preferred Qualifications
Experience with premium cards, rewards programs, loyalty ecosystems, or co-branded credit card partnerships.
Familiarity with customer lifecycle management, activation strategies, CRM campaigns, and engagement programs.
Knowledge of card portfolio economics, including interchange, rewards funding, customer acquisition costs, and portfolio profitability.
MBA or equivalent business education is a plus.
Language Requirements
Fluent English (required)
Advanced Portuguese (preferred)
Spanish is a plus.
Expected Salary Range: USD 140,000-180,000- depending on experience, qualifications, licenses, and seniority.
