Consumer Card Product Director

Huntington Bancshares, Inc.; 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 (PTO)

Job summary

Huntington Bancshares, Inc. seeks a Consumer Card Product Director to own the P&L for the credit card portfolio, shape strategy, and optimize profitability across programs. You will partner with Marketing, Risk, Legal, and Compliance to drive growth and ensure compliant implementation of origination and portfolio strategies.

Lead cross-functional teams, analyze trends, manage risk, and coach staff as needed, while aligning product features with customer needs and regulatory requirements.

Qualifications

• Bachelor’s degree with 10+ years of credit card oversight experience.
• Experience working with third party credit card partners.
• Master’s degree preferred.

Responsibilities

• P&L responsibility for the Credit Card portfolio.
• Analyze portfolio to identify trends, risks, and opportunities to drive profitable growth.
• Review and modify card product features to maximize profitability and meet customer needs.
• Collaborate with Marketing to communicate product effectively and improve portfolio metrics.
• Lead new program development with key business partners to introduce and sell the program.
• Evaluate product performance and recommend changes to optimize program performance.
• Ensure compliant implementation of account origination and portfolio strategies.
• Oversee risk management, policy adherence, and staff development where applicable.
• Maintain knowledge of risk-related credit card changes impacting responsibilities.

Skills

P&L ownership

Portfolio analysis

Strategic thinking

Stakeholder influence

Education

Bachelor’s degree

Master’s degree

Tools

First Data platforms

Job description

Description

Summary:

The 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 (No = 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 anticipatedlow 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.