Consumer Card Product Director

Huntington National Bank; Dallas (TX); On-site; USD 125,000 - 255,000; Full time

Job summary

Huntington National Bank seeks a Consumer Card Product Director responsible for P&L of the credit card portfolio, strategy development, program execution, and profit optimization. This senior role requires coordinating with Marketing, Risk, Legal, and Compliance to drive profitable growth and ensure regulatory alignment.

The position emphasizes oversight of product features, collaboration across departments, and ongoing evaluation of portfolio performance to optimize results in a dynamic

Qualifications

• Bachelor’s degree with 10+ years of credit card related oversight and experience.

Responsibilities

• P&L responsibility for the Credit Card portfolio.
• Analysis of the credit card portfolio to identify trends, risks, and opportunities to drive profitable growth.
• Review and modify credit card product features and benefits to maximize profitability and meet customer needs.
• Collaborate with Marketing to communicate credit card products and improve portfolio metrics.
• Lead new program development with Marketing, Sales Ops, Risk, Legal and Compliance to introduce and sell programs.
• Evaluate product performance and recommend changes in product or marketing strategy for optimization.
• Coordinate with Risk Administration, Underwriting, Compliance, Legal, Ops, Phone Bank, and Enterprise Risk to implement account origination and portfolio strategies.
• Ensure risk management, compliance and audit performance; lead a team if applicable.
• Adhere to bank policies and regulatory requirements; implement controls to manage risk.

Skills

Advanced problem-solving

Influencing stakeholders

Leadership

Communication skills

Education

Bachelor’s degree

Job description

Summary

Consumer Card Product Director has responsibility for P&L of the credit card portfolio management including strategy development, program execution, and profit optimization.

Duties & Responsibilities

• P&L responsibility for the Credit Card portfolio.
• Responsible for analysis of the credit card portfolio and identifying 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 (i.e. Marketing, Sales Ops, Phone Bank, Risk, Legal, Compliance, etc.) 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.

Basic Qualifications

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

Preferred Qualifications

• Master’s degree preferred.
• Experience with and understanding of First Data platforms preferred.
• Advanced problem-solving skills, adept at influencing stakeholders through intellect, interpersonal and negotiation skills; can quickly form strong relationships through a shared vision and mutual trust
• Demonstrated ability to critically analyze situations and risks, determine paths of action, and make recommendations to remediate issues.
• Strong verbal and written communication skills.
• Familiarity with regulatory compliance requirements as they pertain to aforementioned segment areas.

Exempt Status

Yes (not eligible for overtime pay)

Workplace Type

Office

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Compensation Range

$125,000 - $255,000 Annual Salary

The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO).

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.