Sr. Analyst Credit Card Analytics & Portfolio

Job Description

Job Description

Sr. Analyst, Credit Card Analytics & Portfolio Strategy

Location: Philadelphia / Hybrid

Company: Fidem Financial

Experience: 5+ years (Banking or Financial Services, Credit Card Focus)

Employment Type: Full-time

FLSA Status: Exempt

Position SummaryFidem Financial is seeking a Senior Analyst, Credit Card Analytics & Portfolio Strategy to join our growing team. This role is ideal for candidates with 5+ years of experience in a banking or financial services environment, particularly within credit card or consumer lending, who are looking to deepen their expertise in portfolio performance, analytics, and strategic decision-making.In this role, you will partner closely with stakeholders across finance, operations, risk, and business development to drive data-informed decisions, analyze portfolio trends, and identify opportunities to optimize performance and support the growth of our consumer credit business.Key Responsibilities

• Analyze credit card performance metrics, including acquisition, usage, delinquency, and profitability trends.
• Develop actionable insights to optimize pricing, product features, and customer engagement.
• Build and maintain financial models to support business initiatives, forecasts, and profitability assessments.
• Prepare and automate regular dashboards and management reports highlighting key performance indicators.
• Monitor market trends, credit card industry developments, and competitor activity to inform strategy.
• Work closely with teams in finance, marketing, risk, and operations to assess business opportunities and streamline processes.
• Contribute to investment case development, including opportunity sizing, cost-benefit analysis, and DCF,ROI and DDM modeling.
• Identify inefficiencies in current reporting and analytical processes and recommend data-driven improvements.
• Perform other duties as assigned.

Qualifications

• Bachelor’s degree in Finance, Business Analytics, or a related field.
• 5+ years of relevant experience in banking, credit cards, or consumer lending.
• Strong proficiency in PowerPoint, Excel and data visualization tools (e.g., Power BI, Tableau). SQL or Python experience a plus.
• Demonstrated experience in financial modeling, forecasting, and trend analysis.
• Understanding of credit card P&L drivers, interchange, rewards, charge-off dynamics, and regulatory environment.
• Excellent verbal and written communication skills with the ability to convey analytical findings to non-technical audiences.
• Experience in consumer lending and/or credit card portfolios, preferably within large financial institutions or major banks, is strongly preferred.
• Proven ability to collaborate across multiple functions and thrive in a fast-paced, often changing and dynamic environment.

Compensation:

Salary Range: $130,000 to $165,000 p/year

In addition to base salary, this role is eligible for an annual discretionary bonus based on individual and company performance. 

Why Fidem Financial

• Collaborative and growth-oriented environment.
• Exposure to strategic initiatives in payments, consumer credit, and M&A.
• Opportunities for professional development and advancement within the firm.

Equal Employment Opportunity Statement
Fidem Financial provides equal employment opportunities to all employees and applicants without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, veteran status, or any other protected characteristic under applicable federal, state, or local law. We celebrate diversity and are committed to creating an inclusive environment for all employees.