Cardworks

Compensation

Full Description

Join our team - and take the next step in achieving a fulfilling career! What We Do At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most. Who We Are CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC. CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees. Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services. Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management. The Manager, Card Business Analytics plays a key role in driving profitable growth, optimizing credit performance, and advancing analytical rigor across Merrick Bank's credit card business - delivering direct and meaningful impact on the P&L. This role contributes to a wide spectrum of programs and workstreams across the customer lifecycle, including acquisitions, credit line management, portfolio monitoring, valuations and more. You will partner closely with cross-functional teams including Modeling, Finance, Marketing, Legal, and Compliance to influence strategy and guide decision-making. This position requires strong quantitative expertise, strategic foresight, and the ability to translate insights into high-impact business decisions that support both near-term goals and long-term portfolio health. As a Manager on this team, you'll contribute to data-driven solutions to core business problems leveraging cutting-edge analytics, with expertise in Python, SQL, and Microsoft Excel/VBA along with knowledge of PowerBI or Tableau. Essential Functions: Contributes to the design and optimization of integrated credit strategies, including credit line management, acquisition policies, and product frameworks to balance growth and risk. Contributes to innovation in valuation methodologies, decision frameworks, analytics, and modeling integration to improve portfolio performance and profitability. Performs valuation exercises across programs such as credit line increases and new account acquisitions, ensuring assumptions and economics are accurate and optimized. Conducts periodic model monitoring and recommends valuation changes, tracking outcomes to ensure value creation. Designs, launches, and monitors A/B and multivariate tests that enhance credit strategies and identify new growth opportunities. Maintains the test inventory, creates iterative testing roadmaps, and institutionalizes learnings across teams. Supports and enhances performance monitoring suites, leads reporting forums, and develops insights to inform strategy updates. Performs ongoing monitoring of strategic initiatives to ensure expected results and early identification of emerging risks. Partners with channel owners, Data Science/Modeling, Finance, and other teams to ensure strategic alignment and high-quality execution. Socializes strategies, influences business decisions, and presents insights and recommendations to senior leadership and executives. Serves as a champion of change, communicating effectively and leading from the front in a fast-paced environment. Compliance with Laws & Regulations: Responsible for complying with all of the Bank's internal control policies and procedures. Responsible for understanding and complying with all laws and regulations to which the Bank is subject. Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts. Education and Experience: Bachelor's Degree in an analytical or quantitative field such as Statistics, Mathematics, Computer Science, Economics, Business Intelligence, Finance, or Engineering is required. Master's Degree in an analytical or quantitative field such as Statistics, Mathematics, Computer Science, Economics, Business Intelligence, Finance, or Engineering is preferred. Two (2) years'+ experience (with a Master's Degree) or three (3) years'+ experience (with Bachelor's degree) in data analytics, strategy execution, decision engine, cloud data, or equivalent experience is required. Previous experience in financial services, consulting, or corporate strategy is preferred. Summary of Qualifications: Profound expertise in Python, SQL, and Microsoft Excel/VBA. Proficiency with PowerBI, Tableau, or similar tools. Proficiency with Microsoft Office tools like Excel, PowerPoint, Word, etc. Comfort with ambiguity and working hands-on with large analytical datasets to perform complex analyses. Excellent verbal, written, and interpersonal communication skills. Demonstrated strengths with problem-solving, critical thinking, detail-orientation, and organization. Advanced quantitative skills, including knowledge of probability, statistical inference, and regression analysis principles. Ideally, the qualified candidate will work at the following location(s): Wilmington, Delaware or South Jordan, Utah. A hybrid work model or fully remote model can be considered based on hiring manager decision and priorities of the role. #INDHP1 Our Employee Value Proposition • Competitive Pay, including a Bonus Target or Variable Pay Incentive Program • Benefits Package -Medical, Dental, and Vision (plus much more) • 401(k) Plan with Company Match • Short- & Long-Term Disability • Wellness Programs • Group Life and AD&D Insurance • Paid Vacation, Sick Days and bank Holidays • Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location. We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable laws.