PCS Financial Strategy and Analysis Director

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 This leader is responsible for shaping and executing growth strategies for the credit card business, partnering with Product, Marketing, Risk, Operations, and Technology to drive profitable acquisition, spend, retention, and portfolio value. The role owns key financial analyses and decision support across the credit card P&L, including rewards liability, network management, and customer growth and penetration analytics. Key Responsibilities Own finance strategy and decision support for credit card growth initiatives across products, acquisition, activation, engagement, and capex investment. Develop and maintain business cases for new products, features, rewards, offers, and partnerships; quantify ROI, NPV, payback, and customer value. Partner with product, risk, and marketing teams to optimize portfolio profitability and business growth. Develop and oversee portfolio analytics and performance reporting: KPIs, cohort economics, and variance analyses; communicate insights to senior leadership. Build and govern measurement frameworks for growth initiatives and ensure regular tracking updates to demonstrate progress of growth initiatives. Develop and manage key performance metrics, dashboards, and management reporting. Drive profitability optimization across products, channels, and partnerships. Build and maintain portfolio forecasts using advanced financial modeling tools. Partner with key PCS stakeholders to execute portfolio growth initiatives. Perform complex financial analyses across portfolios and business units. Produce clear, actionable insights to explain performance variances and trends. Assess portfolio risks and opportunities and recommend data‑driven actions. Maintain the methodology for calculating rewards liabilities, including earn, burn, breakage/expiration, adjustments, and transfers across products/portfolios; ensure alignment with accounting policy and partner contract terms. Establish strong data governance and controls for financial reporting, ensuring accuracy, auditability, and compliance with applicable regulations and accounting policies. Lead, mentor, and develop a high-performing team (FP&A, analytics, or finance business partners), fostering a culture of ownership, curiosity, and strong stakeholder management. Basic Qualifications Bachelor's degree in accounting or finance, or equivalent work experience. 15 or more years of relevant financial management experience. Eight or more years of management experience. Preferred Skills/Experience Considerable knowledge of accounting/finance principles. Extensive experience in financial modeling and valuation techniques including discounted CF, NPV, and IRR. Payments and credit card business knowledge and experience. Expert planning and analytical skills. Excellent communication skills. Proven leadership experience, including hiring, coaching, and management. Ability to work well under tight deadlines and manage multiple priorities. Experience in financial data systems (Essbase). Experience supporting card product strategy, rewards design, or marketing optimization (offer economics, channel mix, and attribution). Excellent executive communication skills with ability to simplify complex trade-offs into clear recommendations. Location Requirements This role requires working from a U.S. Bank location three (3) or more days per week. 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: $170,255.00 - $200,300.00 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. 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.