Manager Card Business Analytics

Merrick-Bank; Wilmington (DE); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive pay

Bonus target

401(k) Plan

Disability insurance

Paid vacation & holidays

Job summary

Merrick Bank is seeking a Manager, Card Business Analytics to drive profitable growth and optimize credit performance across the credit card portfolio. This role collaborates with Modeling, Finance, Marketing, Legal, and Compliance to translate analytical insights into business decisions.

The ideal candidate has strong quantitative skills with Python, SQL, and Excel/VBA, plus experience with PowerBI or Tableau. You will influence strategy and monitor portfolio health in a fast-paced environment.

Qualifications

• Bachelor’s or higher in a quantitative field; Master’s preferred.
• Experience in data analytics, strategy execution, or decision engines in financial services is preferred.

Responsibilities

• Contributes to design and optimization of integrated credit strategies.
• Performs model monitoring and recommends valuation changes.
• Designs, launches, and monitors A/B and multivariate tests.
• Partners with cross-functional teams to ensure strategic alignment and execution.
• Socializes strategies and presents insights to senior leadership.

Skills

Python

SQL

Excel/VBA

PowerBI/Tableau

Statistical Analysis

Communication

Education

Bachelor's Degree in Statistics/Mathematics/CS/Finance/Engineering

Master’s Degree preferred

Tools

PowerBI

Tableau

Excel

Job description

Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day.

Who we are

Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.

What we do

We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses. Merrick Bank ranks among the top 20 FDIC®-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.

Position Summary and Role Impact

The Manager, Card Business Analytics drives profitable growth, optimizes credit performance, and advances analytical rigor across Merrick Bank’s credit card business with a direct and meaningful P&L impact on the overall credit card business. This role contributes to a wide spectrum of programs and workstreams across the customer lifecycle - including acquisitions, credit line management, portfolio monitoring, valuations and more. Additionally, this role partners closely with cross-functional teams including Modeling, Finance, Marketing, Legal, and Compliance. The position requires strong quantitative expertise, strategic foresight, and the ability to translate insights into high-impact business decisions that support both near-term goals and long-term portfolio health. The Manager role contributes to a highly talented team working on data-driven solutions to core business problems leveraging cutting-edge analytics, with expertise in Python, SQL, and Microsoft Excel/VBA along with knowledge of PowerBI or Tableau.

Essential Functions

• Contributes to the design and optimization of integrated credit strategies, including credit line management, acquisition policies, and product frameworks to balance growth and risk.
• Contributes to innovation in valuation methodologies, decision frameworks, analytics, and modeling integration to improve portfolio performance and profitability.
• Performs valuation exercises across programs such as credit line increases and new account acquisitions, ensuring assumptions and economics are accurate and optimized.
• Conducts periodic model monitoring and recommends valuation changes, tracking outcomes to ensure value creation.
• Designs, launches, and monitors A/B and multivariate tests that enhance credit strategies and identify new growth opportunities.
• Maintains the test inventory, creates iterative testing roadmaps, and institutionalizes learnings across teams.
• Supports and enhances performance monitoring suites, leads reporting forums, and develops insights to inform strategy updates.
• Performs ongoing monitoring of strategic initiatives to ensure expected results and early identification of emerging risks.
• Partners with channel owners, Data Science/Modeling, Finance, and other teams to ensure strategic alignment and high-quality execution.
• Socializes strategies, influences business decisions, and presents insights and recommendations to senior leadership and executives.
• Serves as a champion of change, communicating effectively and leading from the front in a fast-paced environment.

Requirements for Success

Education & Experience: Bachelor's Degree in an analytical or quantitative field such as Statistics, Mathematics, Computer Science, Economics, Business Intelligence, Finance, or Engineering is required. Master’s Degree in an analytical or quantitative field such as Statistics, Mathematics, Computer Science, Economics, Business Intelligence, Finance, or Engineering is preferred. Two (2) years’ experience (with a Master’s Degree) or three (3) years’ experience (with Bachelor’s degree) in data analytics, strategy execution, decision engine, cloud data, or equivalent experience is required. Previous experience in financial services, consulting, or corporate strategy is preferred.

Knowledge, Skills and Capabilities: Profound expertise in Python, SQL, and Microsoft Excel/VBA. Proficiency with PowerBI, Tableau, or similar tools. Proficiency with Microsoft Office tools like Excel, PowerPoint, Word, etc. Comfort with ambiguity and working hands-on with large analytical datasets to perform complex analyses. Excellent verbal, written, and interpersonal communication skills. Demonstrated strengths with problem-solving, critical thinking, detail-orientation, and organization. Advanced quantitative skills, including knowledge of probability, statistical inference, and regression analysis principles.

AVP and Below Compliance with Laws & Regulations

Responsible for complying with all the Bank’s internal control policies and procedures. Responsible for understanding and complying with all laws and regulations to which the Bank is subject. Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Why join us

We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people. At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day
• DEI Employee Resource Groups
• Corporate Social Responsibility
• Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location. We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law. We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics. If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.

CardWorks Financial Group is the engine driving financial progress, a diversified consumer finance provider building ethical solutions across credit, lending, and the full customer lifecycle. Advancing finance with purpose, we put people - clients, customers, and colleagues - at the center of everything we do, guided by our CRITICAL values and united as one enterprise across Merrick Bank, CardWorks Servicing, and Carson Smithfield. As your everyday champion, our vertically integrated platform fuels financial progress through access to credit, high yield deposits, flexible merchant payments, and end to end servicing performance—powered by a culture of relentless curiosity, belonging, and growth.