Business Development Manager – US Cards

BTG Pactual; Miami (FL); On-site; USD 140,000 - 180,000; Full time

Job summary

BTG Pactual is seeking a Business Development Manager for the US Cards to own growth initiatives, partnerships, and value proposition enhancements. You will work cross-functionally with product, marketing, analytics, and operations to drive acquisition, activation and profitability in the US market.

Ideal candidates will have 5+ years in payments or banking, deep US card market knowledge, and strong strategic, analytical and negotiation skills.

Qualifications

• 5+ years of experience in Business Development, Product Management, Partnerships, Strategy, or Marketing within payments/credit card/fintech/loyalty.
• Deep understanding of the US credit card market and consumer behaviors.
• Experience developing strategic partnerships and negotiating commercial agreements.
• Ability to conduct market analysis, competitive benchmarking, and build business cases.
• Strong analytical, communication and stakeholder management skills.

Responsibilities

• Act as the Bank’s primary expert on the US credit card market and trends.
• Conduct market intelligence and competitive benchmarking of issuers, fintechs, and co-brand programs.
• Identify new business opportunities to grow product adoption and profitability.
• Support design and optimization of the credit card value proposition, pricing and partnerships.
• Develop and manage strategic relationships with merchants and loyalty partners.
• Build business cases and recommendations for new initiatives and partnerships.
• Collaborate with Product, Marketing, Analytics, Operations, Compliance, and Technology to execute growth initiatives.
• Design acquisition strategies to increase product adoption and portfolio growth.
• Analyze portfolio performance and customer behavior to identify opportunities and risks.
• Develop communications strategies and lifecycle programs to drive activation, usage and retention.
• Support go-to-market plans for new products, features and partnerships.
• Monitor key metrics and provide insights to senior leadership.
• Represent the Bank in industry events and partner meetings.

Skills

Business development

Product management

Partnerships

Strategy

Marketing

Analytical thinking

Education

MBA

Tools

Microsoft Excel

PowerPoint

Microsoft Office

Job description

What if you had the opportunity to think and act like an entrepreneur within a solid company with more than 40 years of history? At BTG, we value an entrepreneurial mindset, autonomy, agility, customer focus, excellence and a long-term perspective. We operate with integrity, accountability, simplicity, a drive to challenge the status quo and dedication.

Meritocracy is at the heart of our day-to-day culture. We work in an open-plan office with a flat organizational structure, where you’ll collaborate with some of the best professionals in the market and take on real, meaningful challenges every day.

Position overview

The Business Development Manager – US Cards will serve as the subject matter expert for the Bank’s credit card business in the United States. This role is responsible for continuously monitoring the US payments and cards market, identifying growth opportunities, supporting product strategy and value proposition development, establishing and managing strategic partnerships, and driving customer acquisition and engagement.

The ideal candidate combines strong knowledge of the US credit card industry with strategic thinking, commercial acumen, and the ability to work cross-functionally across product, marketing, partnerships, analytics, and operations teams.

Key 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 new 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 to support 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 communication strategies, engagement campaigns, and lifecycle programs to drive card activation, usage, retention, and cross-sell opportunities.
• Support the creation and execution of 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 in industry events, conferences, partner meetings, and strategic discussions related to the payments and cards ecosystem.

Required Qualifications

• 5+ years of experience in Business Development, Product Management, Partnerships, Strategy, or Marketing within the 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 with a strong focus on growth, innovation, and execution.
• Advanced proficiency in Microsoft Office Suite, particularly Excel and PowerPoint.
• Experience working in international environments and with US-based products is highly preferred.

Preferred Qualifications

• 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 is a plus.

Language Requirements

• Advanced Portuguese (preferred)
• Spanish is a plus.

Why Join BTG Pactual

• Entrepreneurial and performance-driven culture with significant long-term career development potential.
• Collaborative and inclusive work environment that values diversity of thought and background.
• Expected Salary Range: USD 140,000-180,000- depending on experience, qualifications, licenses, and seniority.

BTG Pactual is an equal opportunity employer and values diversity. All our job openings are open to people with disabilities.