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Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st shift (United States of America)
Please review the following job description:
The role is responsible for developing growth strategies and executing account management/engagement programs designed to drive card spend, balances, retention, revenue and profitability for the Consumer Card portfolio. This role requires an individual with deep experience in consumer cards, payments, or lending portfolio account management; strong analytical and strategic thinking capabilities; and the ability to translate client behavior insights into profitable growth, retention, and engagement strategies. The successful candidate will manage cross-functional initiatives and vendor partnerships, influence senior stakeholders, and ensure recommendations and programs align with business objectives, risk considerations, and legal and regulatory requirements.
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Manage the Consumer Card portfolio account management/lifecycle marketing function within Enterprise Payments. Will focus on driving and maximizing profitability and growth.
Elevate meaningful and action-oriented analytics and behavior-based segmentation to drive customer development and retention. Drive client engagement through expanding interactions with up-sell strategies and recommendations based on other model-based strategies (modeling examples: results from implementing affinity models, attrition/churn models, profitability models and loyalty models).
Create and implement retention strategies to stem attrition and re-win clients, particularly in Truist's key market segments.
Analyze and understand portfolio trends. Utilize benchmark studies to identify pockets of opportunity for profitability and growth, as well as gaps in risk and product. Develop strategies and recommend programs to increase transactions, purchase volume, outstanding balances, and line utilizations.
Analyze campaign/program results to identify key learnings, insights and recommendations that will inform/optimize future campaign performance
6.
Apply strategic thinking and analysis skills, as well as the ability and confidence to make conclusions and recommendations from a business perspective.
Participate on cross-functional teams to support organizational objectives, as required. Negotiate positive outcomes through interactions with Senior Management, business partners, assurance functions, and third-party vendors.
Continuously broaden and deepen expertise in analytical and management methods via self-directed research and training. Attend and participate in payments and/or credit card forums/associations to enrich professional growth.
Create and manage vendor partnerships that support strategic Optimization projects. Build proposals that lead to business requirements, engage with internal sourcing partners to write statements of work, secure resources, and own the execution of work. Ensure proper budgeting and reporting of all contractual agreements are maintained.
Serve as a subject matter expert and role model, emphasizing the importance of adherence to legal and regulatory requirements related to Card & Direct to Consumer Lending products. Continuously monitor and evaluate the interchange model and its impact on product structure and program profitability.
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor's degree in business-related field or equivalent education and related training
Eight or more years' experience developing, managing, or optimizing payments, card and/or lending products
Strong leadership skills with proven ability to effectively lead cross-functional projects and ability to think strategically
Strong analytical, cognitive, and critical thinking skills with ability to translate high-level business plans to meet the line of business' needs
Strong verbal and written communication skills, as well as strong organizational and interpersonal skills; ability to communicate effectively with peers, subordinates and superiors within the Corporation, as well as appropriate individuals external to the Corporation (such as regulators/examiners)
Conceptual ability to analyze problems and devise solutions
Demonstrated proficiency in basic computer applications, such as Microsoft Office software products and business intelligence tools
A growth mindset and professional attitude
Strong work ethic and unyielding commitment to quality
Ability to work under pressure, handle complex and multiple projects, and maintain an adherence to deadlines.
Ability to work with and manage remote teams and teammates Preferred Qualifications:
Master's degree in business-related field or banking school, or an equivalent combination of education and experience
Experience in product or portfolio optimization management
General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site (https://benefits.truist.com/)
. Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.
Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.
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