Card Product Director — Growth, P&L & Strategy

Huntington National Bank; Houston (TX); Hybrid; USD 125,000 - 255,000; Full time

Benefits offered by this job

Health insurance

Wellness program

Life and disability insurance

Retirement savings plan

Paid time off

Job summary

Huntington National Bank is seeking a Consumer Card Product Director to own the P&L and lead strategy, execution, and profitability for the credit card portfolio in the United States. You will partner with Marketing, Risk, Legal and Compliance to optimize programs and drive growth.

Responsibilities include evaluating product performance, guiding new program development, and ensuring risk controls and regulatory adherence across the portfolio while managing cross-functional teams.

Qualifications

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

Responsibilities

• P&L responsibility for the Credit Card portfolio.
• Analyze portfolio 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 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.

Skills

P&L responsibility

Analytical skills

Influencing stakeholders

Regulatory compliance familiarity

Verbal and written communication

Education

Bachelor’s degree

Master’s degree

Tools

First Data platforms

Job description

Huntington National Bank is seeking a Consumer Card Product Director to own the P&L and lead strategy, execution, and profitability for the credit card portfolio in the United States. You will partner with Marketing, Risk, Legal and Compliance to optimize programs and drive growth.

Responsibilities include evaluating product performance, guiding new program development, and ensuring risk controls and regulatory adherence across the portfolio while managing cross-functional teams.