General Manager, Wayfair Credit Card

Wayfair; Boston (MA); On-site; USD 180,000 - 260,000; Full time

Job summary

Wayfair is seeking an Associate Director to serve as the General Manager of the Wayfair Credit Card program in Boston. This leader will own the strategy, P&L, partner management, marketing agenda, roadmap influence, and operating model for one of Wayfair’s key customer financing and loyalty products.

The GM will grow the program profitably, strengthen the customer value proposition, ensure strong partner execution, and position the card as a growth accelerator of Promotional Financing and

Qualifications

• 8+ years in payments, credit cards, or loyalty with commercial leadership.
• Proven P&L ownership with revenue and cost drivers.
• Strong marketing, segmentation, and lifecycle expertise.
• Experience managing external partnerships and contracts.
• Excellent analytical judgment and executive-facing communication.

Responsibilities

• Own the Wayfair Credit Card strategy, P&L, revenue, rewards funding, and pricing.
• Understand profitability drivers and balance growth, experience, and risk.
• Lead acquisition, activation, lifecycle engagement, retention, and spend.
• Define customer segmentation, offers, and placement to improve conversions.
• Influence credit card roadmap with Product and Engineering across touchpoints.
• Scale financing in Physical Retail and manage the issuing partner.
• Act as internal SME for Card and engage senior leaders for resources.
• Drive test-and-learn across messaging, offers, underwriting, and campaigns.
• Push data-backed decisions and clear business cases with stakeholders.

Skills

Payments & credit

P&L ownership

Marketing strategy

Partnership management

Executive communication

Job description

About The Team

The Fintech & Loyalty organization builds and manages the foundational payment systems and products provide customers with a secure, seamless, and rewarding payment experience. F&L partners with 30+ organizations worldwide to provide a robust selection of gifting, paying, and financing options, securely process $12B+ in annual transaction volume, and detect, prevent, and mitigate fraud.

About The Team

The Fintech & Loyalty organization builds and manages the foundational payment systems and products provide customers with a secure, seamless, and rewarding payment experience. F&L partners with 30+ organizations worldwide to provide a robust selection of gifting, paying, and financing options, securely process $12B+ in annual transaction volume, and detect, prevent, and mitigate fraud. Within F&L, the Commercial team sets business strategy, then delivers results through product roadmap influence & prioritization, effective management of strategic partnerships, multi-channel marketing, and negotiation of commercial terms that deliver incremental value to Wayfair.

About The Role

Wayfair is seeking an Associate Director to serve as the General Manager of the Wayfair Credit Card program. This leader will own the strategy, P&L, partner management, marketing agenda, roadmap influence, and operating model for one of Wayfair’s most important customer financing and loyalty products. The Wayfair Credit Card program sits at the intersection of financing, rewards, loyalty, and conversion. The GM will be accountable for growing the program profitably, strengthening the customer value proposition, ensuring strong partner execution, and positioning the card as a key growth accelerator of both Promotional Financing and Wayfair Rewards. This is a highly cross-functional and executive-facing role. The Associate Director will work closely with Product, Engineering, Analytics, Marketing, Finance, Legal, Compliance, Storefront, Physical Retail, Sales & Service, Wayfair Rewards, and Wayfair’s issuing partner.

What You’ll Do

• Own the Wayfair Credit Card business strategy, business results / P&L, and day to day operations - managing revenue, profit share, rewards funding, financing economics, approval rates, credit lines, customer acquisition, engagement, and incremental sales.
• Have a deep understanding of profitability drivers for both Wayfair and the issuing partner, and use that understanding to make smart tradeoffs across growth, customer experience, economics, and risk.
• Lead the marketing strategy for acquisition, activation, lifecycle engagement, retention, and spend stimulation across on-site, app, email, direct mail, paid media, physical retail, and partner-managed channels.
• Define the right customer segmentation, message, offer, and placement strategy to improve application starts, approval conversion, activation, repeat usage, and profitable sales.
• Partner with Product and Engineering to influence the credit card roadmap across cart, checkout, app, landing pages, account management, servicing, data integrations, physical retail, and call center experiences.
• Scale Promotional Financing in Physical Retail, ensuring large tickets are a key driver of growth within Wayfair’s rapidly growing store footprint
• Manage Wayfair’s strategic issuing partner, including roadmap alignment, business reviews, contractual commitments, SLAs, data sharing, servicing performance, marketing execution, and executive escalations.
• Serve as the internal SME for all things Card, with the executive presence to engage senior leaders, champion the program, secure resources, and fit effectively into Wayfair Rewards leadership conversations.
• Drive a rigorous test-and-learn agenda across messaging, offers, funnel conversion, underwriting, credit lines, rewards, financing, lifecycle campaigns, and P&L optimization.
• Push for high-quality analysis, clear business cases, and data-backed decision-making across Wayfair and partner teams.

What You’ll Need

• 8+ years of senior experience in payments, credit cards, consumer finance, loyalty, fintech, retail financial services, partnerships, business strategy, consulting, or related commercial leadership roles.
• Experience owning or materially influencing a P&L, with strong understanding of revenue drivers, cost drivers, partner economics, forecasting, ROI, and executive performance management.
• Strong marketing and growth experience, including customer segmentation, offer strategy, lifecycle marketing, campaign measurement, and channel optimization.
• Strong product and technology fluency, with experience influencing roadmaps, making tradeoffs, managing dependencies, and driving customer-facing capabilities.
• Experience managing strategic external partnerships, ideally involving shared economics, joint roadmaps, contractual commitments, business reviews, and senior-level escalation.
• Excellent analytical judgment, including comfort challenging weak analysis and making decisions with imperfect information.
• Strong executive presence and communication skills, with the ability to tailor messages for analysts, cross-functional teams, external partners, and C-suite audiences.
• Bias for action, strong ownership, and willingness to move between executive strategy and detailed execution.

Assistance For Individuals With Disabilities

Wayfair is fully committed to providing equal opportunities for all individuals, including individuals with disabilities. As part of this commitment, Wayfair will make reasonable accommodations to the known physical or mental limitations of qualified individuals with disabilities, unless doing so would impose an undue hardship on business operations. If you require a reasonable accommodation to participate in the job application or interview process, please let us know by completing our Accomodations for Applicants form.

About Wayfair Inc.

Wayfair is one of the world’s largest online destinations for the home. Whether you work in our global headquarters in Boston, or in our warehouses or offices throughout the world, we’re reinventing the way people shop for their homes. Through our commitment to industry-leading technology and creative problem-solving, we are confident that Wayfair will be home to the most rewarding work of your career. If you’re looking for rapid growth, constant learning, and dynamic challenges, then you’ll find that amazing career opportunities are knocking. No matter who you are, Wayfair is a place you can call home. We’re a community of innovators, risk-takers, and trailblazers who celebrate our differences, and know that our unique perspectives make us stronger, smarter, and well-positioned for success. We value and rely on the collective voices of our employees, customers, community, and suppliers to help guide us as we build a better Wayfair – and world – for all. Every voice, every perspective matters. That’s why we’re proud to be an equal opportunity employer. We do not discriminate on the basis of race, color, ethnicity, ancestry, religion, sex, national origin, sexual orientation, age, citizenship status, marital status, disability, gender identity, gender expression, veteran status, genetic information, or any other legally protected characteristic. Your personal data is processed in accordance with our Candidate Privacy Notice (https://www.wayfair.com/careers/privacy). If you have any questions or wish to exercise your rights under applicable privacy and data protection laws, please contact us at [e-mail].