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

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

Country: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

Santander Bank is seeking a highly motivated and analytically driven Senior Associate Portfolio Manager to lead lifecycle strategies across our Consumer Credit Card portfolio. This individual will be responsible for optimizing customer engagement and profitability by driving initiatives focused on activation, balance growth, revolving behavior, purchase volume, and retention. The ideal candidate will bring deep expertise in credit card portfolio dynamics, segmentation, P&L levers, and customer behavior to improve portfolio performance and ensure sustainable growth.

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.

What You Bring:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's Degree or equivalent work experience: Business, Economics, Finance or equivalent field. - Required.
• Master’s Degree: 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
• Exposure to test-and-learn frameworks and digital campaign execution. - Preferred

Certifications:
No Certifications listed for this job.

It Would Be Nice For You To Have:
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

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