Senior Manager Analytics & Strategy

Essential Responsibilities

• Lead analytics across credit card, HELOC, and Auto/RV lending to evaluate business performance, market trends, portfolio dynamics, member behavior, growth opportunities, and performance gaps.
• Develop analytical frameworks and recommendations for strategy, pricing, targeting, acquisition, retention, portfolio management, and business planning decisions while partnering with credit risk and other strategy stakeholders.
• Analyze key performance indicators such as application volume, approval rates, booked loans, balances, utilization, activation, spend, attrition, credit quality, delinquencies, losses, margin, fee income, rewards cost, profitability, and member engagement.
• Partner with leaders and functional partners to understand strategic priorities, frame high-value analytical questions, and identify opportunities to improve member value, product competitiveness, risk-adjusted returns, and overall business results.
• Support business partners in developing targeting criteria, offer strategies, and segmentation approaches that deliver member value through competitive rates and offers while managing credit risk, profitability, capital, and return targets.
• Use SQL and analytical coding tools to extract, transform, integrate, and analyze large datasets from internal and external sources, ensuring analyses are reproducible, well-controlled, and grounded in sound methodology.
• Prepare analyses, business cases, strategic recommendations, and performance narratives for leadership meetings, business reviews, investment decisions, and planning discussions.
• Support forecasting, scenario analysis, target setting, and financial planning by assessing historical results, current trends, market conditions, portfolio behavior, and key business drivers.
• Participate in data infrastructure initiatives in partnership with data governance, data services, technology, information security, and business teams to improve accessibility, quality, usability, documentation, and ease of analytics for lending data.
• Collaborate with cross-functional partners to assess member journeys, application and funding processes, credit strategies, pricing constructs, and operational friction points that influence conversion, experience, risk outcomes, and financial performance.