Director, Card Business Analytics

* Join our team - and take the next step in achieving a fulfilling career!
*** What We Do
** At Card Works, 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
** Card Works, Inc. is a diversified consumer finance service provider and parent company of Card Works Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.Card Works 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.###
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* Position Summary:

**### The
** Director, Card Business Analytics
** plays a critical leadership 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 work streams 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, guide decision-making, and shape portfolio direction.

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 Director 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 Power

BI or Tableau.### ###
* Ideally, the qualified candidate will work at the following location(s):
Wilmington, DE, or South Jordan, UT.
** A hybrid work model or fully remote model can be considered based on hiring manager decision and priorities of the role**.*### ### ###
** Essential Functions*** ### Leads the design and optimization of integrated credit strategies, including credit line management, acquisition policies, and product frameworks to balance growth and risk.* ### Drives innovation in valuation methodologies, decision frameworks, analytics, and modeling integration to improve portfolio performance and profitability.* ### Manages valuation exercises across programs such as credit line increases and new account acquisitions, ensuring assumptions and economics are accurate and optimized.
* ### Oversees 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.* ### Develops the test inventory, creates iterative testing roadmaps, and institutionalizes learnings across teams.* ### Maintains and enhances performance monitoring suites, leads reporting forums, and develops insights to inform strategy updates.
* ### Leads 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.* ### Provides strategic direction to team members and mentors junior talent to raise analytical rigor.
* ### Serves as a champion of change, communicating effectively and leading from the front in a fast‑paced…