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Consumer Card Product Strategy Analyst (New Acquisition Targeting/Offers)

Newark, Delaware;

Job Description:

US Card New Acquisition Strategies promotes our best in class credit card product suite and delivers leading offers to more than 58MM consumer clients within our franchise footprint through digital, financial center, call center and direct marketing.  Core responsibilities include:

  • Evaluate card product offer effectiveness by driving strategic analysis of targeting, offer, and channel delivery through the creation maintenance of monitoring and tracking routines to ensure strategy is performing in-line with defined financial and credit risk targets
  • Program profitability and offer optimization; maximize financial returns and asset growth while mitigating credit risk
  • Challenge current marketing & underwriting processes to ensure we are maximizing opportunities within our risk appetite
  • Increase card penetration rates of BAC Clients by developing targeting and offer strategies across all marketing channels through maximization of data elements, portfolio trends, models, analytical insights and the creation/evaluation of customer segmentation
  • Construct test strategies to measure consumer sensitivity, financial performance, and growth opportunity
  • Create and maintain a high level of partnership and credibility with leaders in Finance, Credit, Risk, Marketing, Channel and Testing to execute new strategies on time and without error
  • Perform ad-hoc analyses to solve complex business problems, develop recommendations, and inform / influence senior leaders

Required Skills:

  • Demonstrated SAS/SQL coding skills with the ability to create in-depth analysis, identify key successes and opportunities, and deliver recommendations based on findings
  • Proven self-starter with the ability to manage multiple priorities and deadlines efficiently
  • Outstanding analytical and process skills
  • Strong verbal and nonverbal (PowerPoint) communication skills, ability to influence and gain commitment at all organizational levels
  • Demonstrated ability to partner with cross functional teams and consistently deliver timely results
  • Experience with database and business intelligence tools / software, such as SQL, SAS or DB2

Desired skills:

  • 4 year degree

Enterprise Role Description:

Responsible for performing more complex analysis and modeling for multiple products with the goal of maximizing profits and asset growth and minimizing risk and operating losses and/or other financial and marketing exposures. Develops complex program models to extract data and uses multiple databases to acquire statistical and financial data. Utilizes portfolio trends to propose policy/procedural changes within segmentation structure to produce optimal results. Excels at risk/reward trade off. Build relationships with external agencies. Participates in the rollout of company-wide pilot programs developed as a result of programmed models. Duties primarily include the regular use of discretion, independent judgment, the ability to communicate with multiple levels of management and the utilization of core leadership behaviors. SAS and/or MicroStrategy experience preferred; 2-5 years experience preferred.

Job Band:

H5

Shift: 

1st shift (United States of America)

Hours Per Week:

40

Weekly Schedule:

Referral Bonus Amount:

0

Job Description:

US Card New Acquisition Strategies promotes our best in class credit card product suite and delivers leading offers to more than 58MM consumer clients within our franchise footprint through digital, financial center, call center and direct marketing.  Core responsibilities include:

  • Evaluate card product offer effectiveness by driving strategic analysis of targeting, offer, and channel delivery through the creation maintenance of monitoring and tracking routines to ensure strategy is performing in-line with defined financial and credit risk targets
  • Program profitability and offer optimization; maximize financial returns and asset growth while mitigating credit risk
  • Challenge current marketing & underwriting processes to ensure we are maximizing opportunities within our risk appetite
  • Increase card penetration rates of BAC Clients by developing targeting and offer strategies across all marketing channels through maximization of data elements, portfolio trends, models, analytical insights and the creation/evaluation of customer segmentation
  • Construct test strategies to measure consumer sensitivity, financial performance, and growth opportunity
  • Create and maintain a high level of partnership and credibility with leaders in Finance, Credit, Risk, Marketing, Channel and Testing to execute new strategies on time and without error
  • Perform ad-hoc analyses to solve complex business problems, develop recommendations, and inform / influence senior leaders

Required Skills:

  • Demonstrated SAS/SQL coding skills with the ability to create in-depth analysis, identify key successes and opportunities, and deliver recommendations based on findings
  • Proven self-starter with the ability to manage multiple priorities and deadlines efficiently
  • Outstanding analytical and process skills
  • Strong verbal and nonverbal (PowerPoint) communication skills, ability to influence and gain commitment at all organizational levels
  • Demonstrated ability to partner with cross functional teams and consistently deliver timely results
  • Experience with database and business intelligence tools / software, such as SQL, SAS or DB2

Desired skills:

  • 4 year degree

Enterprise Role Description:

Responsible for performing more complex analysis and modeling for multiple products with the goal of maximizing profits and asset growth and minimizing risk and operating losses and/or other financial and marketing exposures. Develops complex program models to extract data and uses multiple databases to acquire statistical and financial data. Utilizes portfolio trends to propose policy/procedural changes within segmentation structure to produce optimal results. Excels at risk/reward trade off. Build relationships with external agencies. Participates in the rollout of company-wide pilot programs developed as a result of programmed models. Duties primarily include the regular use of discretion, independent judgment, the ability to communicate with multiple levels of management and the utilization of core leadership behaviors. SAS and/or MicroStrategy experience preferred; 2-5 years experience preferred.

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Learn more about this role

Full time

JR-21050779

Band: H5

Manages People: No

Travel: No

Manager:

Talent Acquisition Contact:

Jennifer Potter

Referral Bonus:

0