Card Portfolio Product Analyst

Job Description

Job Description

Location is onsite in Cooper City, FL

The Card Portfolio Product Analyst is a subject-matter expert responsible for driving growth, optimization, and member engagement and behavior, monitoring performance metrics for the credit union's credit and debit card portfolios. This role serves as a strategic partner to leadership, providing data-driven insights, market research, and recommendations to enhance card programs, promotions, and overall portfolio performance. This position is an individual contributor role with no direct reports.

Key Responsibilities

Card Portfolio Strategy & Growth

• Support the strategic growth of credit and debit card portfolios by analyzing performance, trends, member behavior, and in-app actions to identify opportunities for growth.
• Monitor and evaluate key portfolio metrics including balances, spend, interchange income, interest income, rewards costs, and attrition.

• Identify opportunities to improve portfolio profitability and member engagement through product enhancements and targeted strategies.

Promotions & Campaign Research

• Research industry trends, competitive card offerings, and emerging promotional strategies.
• Recommend promotional campaigns such as balance transfer offers, introductory APRs, spend incentives, and rewards-based promotions.
• Partner with Marketing and EFT teams to support the execution of approved campaigns.
• Perform post-campaign analysis to assess effectiveness and ROI.

Card Program Evaluation & Optimization

• Develop and maintain a deep understanding of existing credit and debit card programs.
• Evaluate card features, pricing, interest rates, balance transfer structures, and rewards programs.
• Recommend enhancements to improve rewards accruals, redemptions, pricing competitiveness, and member value.
• Support the development or enhancement of card products as business needs evolve.

Analytics & Reporting

• Produce routine and ad hoc reporting for leadership on card portfolio performance.
• Build and maintain dashboards and reports to track key performance indicators.
• Analyze data to identify trends, risks, and opportunities and translate findings into clear recommendations.
• Ensure accuracy, consistency, and integrity of reporting.

Systems & Vendor Collaboration

• Utilize Jack Henry Symitar and Velera systems to support portfolio analysis, reporting, and program evaluation.
• Collaborate with internal teams and external vendors to address data, reporting, or program-related needs.
• Serve as a subject-matter expert on card portfolio data and operational workflows.

Required Skills & Competencies

• Strong analytical, quantitative, and problem-solving skills.
• In-depth knowledge of credit and debit card products.
• Advanced reporting and data analysis capabilities.
• Ability to present insights and recommendations clearly to leadership.
• Strong organizational skills with the ability to manage multiple priorities.
• High level of attention to detail.

Education & Experience Requirements

Minimum Education:

• Bachelor's degree in Business, Finance, Economics, Marketing, Data Analytics, or a related field
  (Equivalent relevant experience may be considered instead of a degree)

Experience:

• 3–5+ years of experience in card portfolio management, payments, financial services, or a related discipline.
• Demonstrated experience analyzing or supporting credit and/or debit card programs.
• Experience evaluating or supporting card promotions and campaigns.
• Experience working with Jack Henry Symitar and Velera is strongly preferred.
• Credit union or financial institution experience preferred.

Preferred Qualifications

• Knowledge of card network rules and interchange concepts.
• Experience partnering with marketing, IT/Data Analytics, and finance teams.
• Strong understanding of financial performance and member behavior analytics.