Business Development Manager – US Cards

BTG Pactual•Miami, FL

About The Position

The Business Development Manager – US Cards serves as the Bank’s subject matter expert for its US credit card business. The role monitors the US payments and cards market, identifies growth opportunities, supports product strategy and value proposition development, manages strategic partnerships, and drives customer acquisition and engagement. It works cross-functionally with product, marketing, partnerships, analytics, operations, compliance, and technology teams to grow the card business and improve customer and portfolio outcomes. The role also provides insights and recommendations to senior leadership and represents the Bank in industry and partner discussions.

Requirements

At least 5 years of experience in Business Development, Product Management, Partnerships, Strategy, or Marketing within payments, credit card, banking, fintech, or loyalty industries.
Deep understanding of the US credit card market, including consumer behaviors, rewards programs, co-brand partnerships, issuer economics, and competitive dynamics.
Proven experience developing strategic partnerships and negotiating commercial agreements.
Demonstrated ability to conduct market analysis, competitive benchmarking, and business case development.
Strong analytical and problem-solving skills, with the ability to translate insights into actionable recommendations.
Excellent communication, presentation, and stakeholder management skills.
Ability to work independently and manage multiple strategic initiatives simultaneously.
Entrepreneurial mindset focused on growth, innovation, and execution.
Advanced proficiency in Microsoft Office Suite, particularly Excel and PowerPoint.
Fluent English.

Nice To Haves

Experience working in international environments and with US-based products.
Experience with premium cards, rewards programs, loyalty ecosystems, or co-branded credit card partnerships.
Familiarity with customer lifecycle management, activation strategies, CRM campaigns, and engagement programs.
Knowledge of card portfolio economics, including interchange, rewards funding, customer acquisition costs, and portfolio profitability.
MBA or equivalent business education.
Advanced Portuguese; Spanish is also a plus.

Responsibilities

Act as the Bank’s primary expert on the US credit card market, including industry trends, competitive landscape, customer needs, and emerging opportunities.
Conduct ongoing market intelligence and competitive benchmarking of issuers, fintechs, co-branded programs, rewards ecosystems, and card value propositions.
Identify business opportunities to enhance product growth, customer acquisition, engagement, and profitability.
Support the design, evolution, and optimization of the credit card value proposition, including rewards, benefits, pricing, partnerships, and customer experience.
Develop and manage strategic relationships with merchants, loyalty partners, fintechs, and other ecosystem participants.
Build business cases and recommendations for new initiatives, partnerships, and product enhancements.
Collaborate with Product, Marketing, Analytics, Operations, Compliance, and Technology teams to execute growth initiatives.
Design and implement acquisition strategies to increase product adoption and portfolio growth.
Analyze portfolio performance, customer behavior, market trends, and competitive positioning to identify opportunities and risks.
Develop and oversee customer communications, engagement campaigns, and lifecycle programs to drive card activation, usage, retention, and cross-sell opportunities.
Support go-to-market plans for new products, features, benefits, and partnerships.
Monitor key business metrics and provide insights and recommendations to senior leadership.
Represent the Bank at industry events, conferences, partner meetings, and strategic discussions related to the payments and cards ecosystem.