At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.
Job Description
The Portfolio Lifecycle Manager is responsible for developing and executing customer lifecycle marketing strategies designed to increase card usage, grow spend, strengthen customer engagement, reduce attrition, and support long-term portfolio profitability. This role leads the planning, implementation, and optimization of multi-channel marketing programs targeting existing customers across the customer journey.
The Portfolio Lifecycle Manager collaborates with Product, Compliance, Risk Management, Legal, Analytics, Operations, Servicing, and partner organizations to ensure all marketing programs adhere to internal policies, external regulatory requirements, and partner obligations. The role also supports the development and execution of partner marketing initiatives, industry events, training programs, and customer engagement activities designed to achieve portfolio growth and retention goals.
Key Responsibilities
Develop and execute lifecycle marketing strategies to drive customer spend, engagement, retention, and portfolio profitability.
Design and manage multi-channel marketing campaigns across digital, direct mail, email, mobile, online banking, partner channels, and other customer touchpoints.
Create customer segmentation, targeting, and contact strategies that improve relevance and customer experience.
Develop retention and attrition prevention programs using customer insights, data analytics, and behavioral trends.
Partner with co-brand organizations to align marketing priorities and execute joint marketing initiatives.
Evaluate campaign performance and provide recommendations to optimize results, improve customer outcomes, and maximize return on investment.
Lead testing strategies and continuous improvement efforts to identify new growth opportunities.
Collaborate with agencies and internal creative teams to develop marketing materials, communications, promotions, and training resources.
Ensure all communications, offers, and marketing programs comply with applicable laws, regulations, partner requirements, and bank policies.
Partner with Compliance, Risk, Legal, and Product teams to support marketing reviews and approvals.
Coordinate and support marketing events, seminars, sponsorships, partner initiatives, and customer engagement programs.
Provide strategic recommendations and problem-solving support to achieve business line objectives.
Manage multiple projects simultaneously while meeting deadlines, budget requirements, and performance targets.
Basic Qualifications
Bachelor's degree, or equivalent work experience.
Six or more years of related experience in marketing, lifecycle marketing, customer engagement, retention, or marketing strategy.
Demonstrated success developing and executing data-driven marketing programs that deliver measurable business results.
Preferred Skills / Experience
Strong understanding of customer lifecycle management, retention marketing, portfolio growth strategies, and customer engagement best practices.
Ability to lead projects and develop marketing programs that are data-driven, customer-centric, and highly relevant.
Proven ability to manage multiple projects and assignments that are completed on time and within budget.
Experience working with external partners to drive growth objectives and achieve shared business goals.
Demonstrated ability to build trusted partnerships and influence stakeholders without direct authority.
Experience leveraging customer insights, analytics, and testing methodologies to optimize marketing performance.
Ability to collaborate with research teams and business leaders to adapt strategies based on customer feedback, research findings, and campaign results.
Strong working knowledge of marketing compliance, regulatory requirements, and risk management practices within a highly regulated industry.
Strong organizational, interpersonal, and team-building skills.
Excellent written, verbal, and presentation communication skills.
Proficient computer navigation skills using a variety of software packages and marketing technologies.
Experience supporting co-brand, financial services, loyalty, or partnership marketing programs preferred.
MBA or equivalent markers of high achievement are a plus.
Location expectations
This role requires working from a U.S. Bank location three (3) or more days per week.
If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .
Benefits:
Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here (https://careers.usbank.com/global/en/benefits/us) .
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $111,600.00 - 136,400.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
