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

Sr. Associate, Credit Card Portfolio Management, Boston, MA Country: United States of America Responsibilities 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. Qualifications 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 Salary Base Pay Range Minimum: $90,000.00 USD Maximum: $155,000.00 USD Risk Culture We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. Primary Location Boston, MA, Boston Other Locations Massachusetts-Boston,New York-New York Organization Santander Bank N.A. #J-18808-Ljbffr Santander Bank