Manager, Flow Lending

Merrick Bank; United States; On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Competitive pay

Bonus/variable pay

Medical, Dental, Vision

401(k) match

Paid time off

Disability insurance

Wellness programs

Job summary

Merrick Bank is seeking a Manager, Flow Lending to drive analytics, pricing strategy, and partnership evaluation for the Flow Lending program. You will build models, monitor performance, and collaborate with finance, strategy, and senior management to optimize returns.

The role emphasizes data-driven decision making, credit policy analysis, and actionable insights to grow partnerships while maintaining risk controls.

Qualifications

• Bachelor's degree in a quantitative field is required.
• Five years of experience using data-driven analysis to inform business or product strategy.
• Experience with credit policy and pricing strategies is preferred.

Responsibilities

• Leads deal analytics, performance reporting, and cross-functional project initiatives.
• Builds and owns financial models to measure unit economics and deal-level returns.
• Defines segmentation to drive profitability insights for Flow Lending partners.
• Presents detailed analysis and recommendations to senior management.

Skills

SQL

Python/R

Excel

PowerPoint

Cross-functional collaboration

Lending/credit policy

Analytical thinking

Data-driven decision making

Education

Bachelor's degree in a quantitative field

Tools

N/A

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

The Manager, Flow Lending supports the development of the strategy and execution of all Flow Lending partnerships for Merrick Bank. This position supports Merrick Bank’s efforts to drive financial performance and overall success of the Flow Lending business, including assessing new partnerships for fit by both the desired return profile and the Merrick Bank’s strategic aims. The Manager for Flow Lending will contribute to driving growth and improving risk-adjusted returns for the Flow Lending business. Merrick’s Flow Lending business purchases consumer loan assets from third party lenders and develops direct lending programs in partnership with third party lenders. This role will support improvements across credit strategy, pricing, program valuations, and growth opportunities.

ESSENTIAL FUNCTIONS

• Leads deal analytics, performance reporting, and cross-functional project initiatives.
• Builds and owns financial models to measure unit economics and deal-level returns, monitoring to stay on top of performance trends.
• Defines segmentation specific to each Flow Lending partner to drive deeper understanding of profitability dynamics and feeding insights back into the strategy.
• Monitors and analyzes performance trends, identifying areas for improvement and providing actionable insights that support strategic decision-making.
• Works closely with finance, strategy, compliance and senior management to align analytical efforts with business objectives and strategic goals.
• Evaluates new Flow Lending opportunities as they arise, analyzing loan tapes, understanding the partner’s strengths and weaknesses, and forming a point of view on the potential for the partnership.
• Engages with Flow Lending partners to drive actions that lead to better outcomes for both sides of the partnership.
• Analyzes credit policies such as approve/decline criteria, loan amounts, and pricing.
• Prepares and presents detailed analysis and reports to senior management, highlighting key findings, trends, and implications for strategic decision-making.
• Compliance with Laws and Regulations Responsible for complying with all of the Bank’s internal control policies and procedures, understanding and complying with all laws and regulations to which the Bank is subject, and communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.
• Additional Responsibilities Perform other duties as assigned by senior management.
• Maintain ethical standards, judgment, and confidentiality in all matters.

EDUCATION AND EXPERIENCE

Bachelor's degree in a quantitative field (e.g., Business, Economics, Finance, Statistics, Engineering, Math, or Sciences) is required. Five (5) years of experience using data-driven analysis to inform business or product strategy.

SUMMARY OF QUALIFICATIONS

• Excellent analytical and problem-solving skills, with the ability to interpret complex data and provide actionable insights.
• Strong communication skills.
• Proficiency with SQL or a scripting language (e.g., Python, R).
• Comfort working hands‑on with large analytical datasets to perform complex analyses.
• Proficiency with Microsoft Office tools such as Excel and PowerPoint.
• Proven ability to work within cross‑functional teams.
• Previous experience in consumer financial services or fintech industries, particularly with lending products.
• Experience with credit policy and/or pricing strategies.
• Ability to work through unconventional problems to identify issues and provide resolutions.
• Strong business acumen and strategic thinking abilities, with a focus on driving results and optimizing performance.

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.

Our growth is creating great opportunities! Our team is expanding, and we want to hire the most talented people we can. Continued success depends on it!

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.