Email Strategy Lead - Pre & Post Charge-Off Digital Collections

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

SUMMARY

The Digital Collections Email Strategy Lead is responsible for the design, execution, and continuous optimization of pre and post charge off email strategies that drive digital self-service adoption, improve payment outcomes, and support credit loss mitigation. This role owns end to end delivery of automated and manual email campaigns, with a strong emphasis on dynamic email templates, variable driven content, and configuration-based eligibility logic. The position partners closely with technology teams and vendors to ensure releases are delivered on time and without defects, including UAT, formal signoff, and post release monitoring. This position also partners with cross functional teams to design and implement a holistic orchestration and Next Best Action strategy across digital and agent-based collections channels.

RESPONSIBILITIES

Strategy and Journey Ownership (Pre and Post Charge Off Email)

• Own the proactive email engagement strategy across delinquency and charge off stages, including content, cadence, targeting, sequencing, and channel integration as applicable.

• Define customer journeys by segment, including tone and offer structure, and drive test and learn to improve outcomes.

• Manage end to end execution of manual email campaigns, from account selection through deployment, evaluation, and optimization.

Dynamic Email Templates (Technical Ownership and Execution)

• Own the dynamic email template ecosystem, ensuring templates, variables, and eligibility logic work together correctly across products and stages.

• Maintain and validate the configuration tables that drive dynamic email processing and eligibility, including toggles and criteria tables used to enable processing and determine which templates are applied.

• Manage dynamic template mappings and variable population logic, including nested variable structures.

• Partner with technology teams to deliver and validate dynamic templates through environments, including IT and UAT, and provide formal business signoff for promotion.

Performance Analysis, Reporting, and Executive Readouts

• Analyze campaign performance, interpret customer behavior insights, and recommend changes to improve funnel outcomes and digital engagement.

• Develop standardized reporting and KPIs for email execution and outcomes, supporting control reporting and audit readiness.

• Prepare executive summaries and updates for leadership, including clear articulation of in flight initiatives and outcome impacts.

Experimentation and Continuous Improvement

• Own the content testing roadmap for dynamic collection email templates and execute structured A/B testing plans.

Partner and Vendor Management

• Manage vendor and technology partner delivery for email strategy execution, ensuring timelines, handoffs, and deliverables are met, and monitoring all parties involved to ensure flawless execution.

• Define and optimize internal and external processes, including documentation of existing processes and upkeep activities as part of a sustainable BAU operating model.

Channel Orchestration

• Partner with cross functional teams to design and execute a holistic orchestration and Next Best Action strategy that integrates digital and agent-based outreach.

• Define customer segmentation and communications journeys to determine content, channel sequencing, cadence, and tone by risk, behavior, and delinquency stage.

• Own and maintain the rules, eligibility criteria, and decision logic that drive automated communications across pre and post charge off.

• Translate strategy into scalable, system-driven configurations that ensure consistent, compliant, and timely delivery of communications.

• Monitor performance and refine rules and journeys to optimize engagement, payment outcomes, and operational efficiency.

BASIC QUALIFICATIONS

• 10 or more years of applicable experience.

• Applicable professional certifications.

• Bachelor's degree, or equivalent work experience.

PREFERRED SKILLS/EXPERIENCE

• Experience with database backed rules and criteria management for automated communications (for example, maintaining eligibility tables, variable value tables, trigger timing tables).

• Experience designing and executing structured experimentation plans for messaging and content variants.

• Experience partnering with Agile technology teams and external vendors to deliver customer communications capabilities end to end.

• Experience in the financial services industry, Default Management specifically.

• Digital Customer Journey experience.

• Understanding of applicable laws, regulations, financial services, and regulatory trends that impact default management.

• Strong presentation, relationship building and negotiation skills.

• Excellent verbal and written communication skills.

• CSS and HTML experience.

• SAS and/or SQL experience.

• Excel competence.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants ( .

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here ( .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program ( .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.