Senior Associate, Credit Card Portfolio Strategy & Analytics, Boston, MA

Santander Bank • Boston, MA

76d • $90,000 - $155,000

About The Position

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities.

Requirements

• Bachelor's Degree or equivalent work experience in Business, Economics, Finance or equivalent field.
• 9+ years of related work experience.
• 5+ years of experience in credit card portfolio management, lifecycle marketing, or consumer banking strategy.
• Strong understanding of credit card P&L, product economics, and customer value drivers.
• Proven track record managing balance growth, spend stimulation, activation, and retention strategies.
• Hands-on experience leveraging segmentation to drive personalization and ROI.
• Analytical acumen with ability to derive insights from large datasets (Excel, SQL, or dashboarding tools).
• Excellent communication and stakeholder engagement skills.

Nice To Haves

• Master's Degree in Business, Economics, Finance or equivalent field.
• Experience in a top 20 U.S. bank or credit card issuer.
• Familiarity with risk-adjusted return frameworks and pricing optimization.
• Exposure to test-and-learn frameworks and digital campaign execution.

Responsibilities

• Lead lifecycle strategies across the Consumer Credit Card portfolio.
• Optimize customer engagement and profitability through initiatives focused on activation, balance growth, revolving behavior, purchase volume, and retention.
• Design and execute customer-level strategies to optimize credit card performance through the full lifecycle.
• Enhance portfolio revenue by increasing revolving balances and improving balance build strategies.
• Partner with decision science team to define and refine credit card segmentation models.
• Collaborate with marketing, risk, and digital to develop data-driven campaigns.
• Own key performance indicators (KPIs) across customer cohorts and initiatives.
• Work closely with Product, Risk, Marketing, Finance, and Technology teams.

Benefits

• Base Pay Range Minimum: $90,000.00 USD
• Base Pay Range Maximum: $155,000.00 USD

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree