Consumer Card Product Director

Description Summary

The Consumer Card Product Director has responsibility for P&L of the credit card portfolio management including strategy development, program execution, and profit optimization.

Duties & Responsibilities

• P&L responsibility for the Credit Card portfolio.
• Analyze the credit card portfolio and identify trends, risks, and opportunities to drive profitable growth.
• Review and modify existing credit card product features and benefits to maximize profitability and meet customer needs.
• Work closely with Marketing to ensure effective communication of credit card products to customers and to improve portfolio metrics.
• Oversee all tasks associated with new program development, collaborating with key business partners (Marketing, Sales Ops, Phone Bank, Risk, Legal, Compliance, etc.) to introduce and sell the program on an ongoing basis.
• Evaluate product performance and recommend changes in the product or marketing strategy to optimize program performance.
• Work closely with Risk Administration, Underwriting, Compliance, Legal, Ops, Phone Bank, and Enterprise Risk to ensure effective implementation of account origination and portfolio strategies.
• Be accountable for risk management, compliance, and audit performance for area(s) of responsibility.
• Adhere to bank policies and procedures and comply with legal and regulatory requirements.
• Establish or work with management to develop effective controls and processes to ensure risks are measured, monitored, and controlled and compliance requirements are adhered to on an ongoing basis.
• If applicable, ensure staff is properly trained, provided with appropriate resources, and motivated to adhere to risk management principles.
• Maintain current knowledge of risk‑related credit card changes that may impact the assigned area(s) of responsibility.
• Lead, coach, counsel, and manage a function; may be responsible for hiring, terminations, salary adjustments, and/or disciplinary actions; establish and communicate group strategy.
• Other duties as assigned.

Basic Qualifications

• Bachelor’s degree with 10+ years of credit card related oversight and experience.
• Experience working with other 3rd party credit card partners.

Preferred Qualifications

• Master’s degree preferred.
• Experience with and understanding of First Data platforms preferred.
• Advanced problem‑solving skills, adept at influencing stakeholders through intellect, interpersonal and negotiation skills; able to quickly form strong relationships through a shared vision and mutual trust.
• Demonstrated ability to critically analyze situations and risks, determine paths of action, and make recommendations to remediate issues.
• Strong verbal and written communication skills.
• Familiarity with regulatory compliance requirements as they pertain to aforementioned segment areas.

Equal Opportunity Employer

Huntington is an Equal Opportunity Employer.