Consumer Card Product Director

Huntington National Bank•Columbus, OH

4d•Hybrid

About The Position

The Consumer Card Product Director has responsibility for P&L of the credit card portfolio management including strategy development, program execution, and profit optimization. This role is responsible for analysis of the credit card portfolio and identifying trends, risks, and opportunities to drive profitable growth. The Director will review and modify existing credit card product features and benefits to maximize profitability and meet customer needs. This role will also oversee all tasks associated with new program development, working closely with key business partners to introduce and sell the program on an ongoing basis. The Director will evaluate product performance and recommend changes in the product or marketing strategy to optimize program performance. This role is accountable for risk management, compliance and audit performance for area(s) of responsibility. The Director will maintain current knowledge of risk-related credit card changes that may impact assigned area(s) of responsibility. This role may lead/ coach; counsel; manage a function; and may be responsible for hiring, terminations, salary adjustments and/or disciplinary actions; and establishes/communicates group strategy. Other duties as assigned.

Requirements

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

Nice To Haves

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; can 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.

Responsibilities

P&L responsibility for the Credit Card portfolio.
Responsible for analysis of the credit card portfolio and identifying trends, risks, and opportunities to drive profitable growth.
Reviews and modifies existing credit card product features and benefits to maximize profitability and meet customer needs.
Works closely with Marketing to ensure effective communication of credit card product to customers and to improve portfolio metrics.
Oversees all tasks associated with new program development working closely with key business partners (i.e. Marketing, Sales Ops, Phone Bank, Risk, Legal, Compliance, etc.) to introduce and sell the program on an ongoing basis.
Evaluates product performance and recommend changes in the product or marketing strategy to optimize program performance.
Works closely with Risk Administration, Underwriting, Compliance, Legal, Ops, Phone Bank, and Enterprise Risk to ensure effective implementation of account origination and portfolio strategies.
Accountable for risk management, compliance and audit performance for area(s) of responsibility whether a supervisor, manager or individual contributor.
Adheres to bank policies and procedures and complies with legal and regulatory requirements.
Establishes or works with management to develop effective controls and processes to ensure risks are measured, monitored and controlled and compliance requirements are adhered to on an on-going basis.
If applicable, ensures staff is properly trained, provided with appropriate resources and motivated to adhere to risk management principles.
Maintains current knowledge of risk-related credit card changes that may impact assigned area(s) of responsibility.
Lead/ coach; counsel; manage a function; may be responsible for hiring, terminations, salary adjustments and/or disciplinary actions; establishes/communicates group strategy.
Other duties as assigned.