Position SummaryThe
Manager, Card Business Analytics drives profitable growth, optimizes credit performance, and advances analytical rigor across Merrick Bank's credit card business with a direct and meaningful P&L impact on the overall credit card business. This role contributes to a wide spectrum of programs and workstreams across the customer lifecycle - including acquisitions, credit line management, portfolio monitoring, valuations and more.
Additionally, this role partners closely with cross-functional teams including Modeling, Finance, Marketing, Legal, and Compliance. The position requires strong quantitative expertise, strategic foresight, and the ability to translate insights into high-impact business decisions that support both near-term goals and long-term portfolio health. The Manager role contributes to a highly talented team working on data-driven solutions to core business problems leveraging cutting-edge analytics, with expertise in Python, SQL, and Microsoft Excel/VBA along with knowledge of PowerBI or Tableau.
Essential Functions- Contributes to the design and optimization of integrated credit strategies, including credit line management, acquisition policies, and product frameworks to balance growth and risk.
- Contributes to innovation in valuation methodologies, decision frameworks, analytics, and modeling integration to improve portfolio performance and profitability.
- Performs valuation exercises across programs such as credit line increases and new account acquisitions, ensuring assumptions and economics are accurate and optimized.
- Conducts periodic model monitoring and recommends valuation changes, tracking outcomes to ensure value creation.
- Designs, launches, and monitors A/B and multivariate tests that enhance credit strategies and identify new growth opportunities.
- Maintains the test inventory, creates iterative testing roadmaps, and institutionalizes learnings across teams.
- Supports and enhances performance monitoring suites, leads reporting forums, and develops insights to inform strategy updates.
- Performs ongoing monitoring of strategic initiatives to ensure expected results and early identification of emerging risks.
- Partners with channel owners, Data Science/Modeling, Finance, and other teams to ensure strategic alignment and high-quality execution.
- Socializes strategies, influences business decisions, and presents insights and recommendations to senior leadership and executives.
- Serves as a champion of change, communicating effectively and leading from the front in a fast-paced environment.
Compliance with Laws & Regulations: - Responsible for complying with all of the Bank's internal control policies and procedures.
- Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
- Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.
Education and Experience:- Bachelor's Degree in an analytical or quantitative field such as Statistics, Mathematics, Computer Science, Economics, Business Intelligence, Finance, or Engineering is required.
- Master's Degree in an analytical or quantitative field such as Statistics, Mathematics, Computer Science, Economics, Business Intelligence, Finance, or Engineering is preferred.
- Two (2) years' experience (with a Master's Degree) or three (3) years' experience (with Bachelor's degree) in data analytics, strategy execution, decision engine, cloud data, or equivalent experience is required.
- Previous experience in financial services, consulting, or corporate strategy is preferred.
Summary of Qualifications:- Profound expertise in Python, SQL, and Microsoft Excel/VBA.
- Proficiency with PowerBI, Tableau, or similar tools.
- Proficiency with Microsoft Office tools like Excel, PowerPoint, Word, etc.
- Comfort with ambiguity and working hands-on with large analytical datasets to perform complex analyses.
- Excellent verbal, written, and interpersonal communication skills.
- Demonstrated strengths with problem-solving, critical thinking, detail-orientation, and organization.
- Advanced quantitative skills, including knowledge of probability, statistical inference, and regression analysis principles.
#INDHP1
Our Employee Value Proposition- Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
- Benefits Package -Medical, Dental, and Vision (plus much more)
- 401(k) Plan with Company Match
- Short- & Long-Term Disability
- Wellness Programs
- Group Life and AD&D Insurance
- Paid Vacation, Sick Days and bank Holidays
- Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
