Join our team - and take the next step in achieving a fulfilling career! What We Do At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most. Who We Are CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC. CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees. Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services. Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management. Position Summary: This position offers an exciting opportunity to drive profitable new account growth by designing and optimizing credit and product strategy. We are seeking an individual with rigorous quantitative skills who can own strategic decisions through creation, socialization and implementation. Essential Functions: Design integrated strategies to drive new account originations: define credit policy and product choices customized to market segments Collaborate across departments to balance analytically driven strategies with business considerations, including competitive landscape and company objectives Partner with Data Science Modeling team to ensure appropriate application of custom risk models into credit and product strategy Design, implement and read experiments to inform growth into new market segments Understand historical testing and design/launch new tests to continually inform and update optimal product choices Work hands-on with large/complex datasets including internal and bureau data Desire and willingness to own hands on, complex implementation work, including ensuring that intent meets execution Follow established procedures to socialize, obtain approvals, implement and monitor strategies Compliance with Laws & Regulations: · Responsible for complying with all of 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. Education and Experience: Minimum 3 years of rigorous analytical experience in consumer lending (5 or more years preferred) Hands-on experience with SQL is required Previous experience with Python is preferred (candidate must be willing to learn Python for data analysis as part of new hire onboarding) Bachelor’s degree or equivalent work experience Summary of Qualifications: · Rigorous analytical and problem-solving skills Ability to translate complex data into actionable insights Successful track record of owning initiatives from strategy through implementation Ability to operate with a high degree of autonomy when conducting analyses Adept at collaborating with internal and external stakeholders across business groups Comfortable interfacing with senior management The salary range for this position, if located in NY Metro/NY State is $118,521 - $131,690 annually. However, please note that the salary range will vary for other geographic areas. #INDHP1 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 an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable. At Merrick Bank, we specialize in credit programs that assist people looking to build or rebuild their credit. Founded in 1997, Merrick Bank is FDIC insured and recognized as a top 20 credit card issuer in the U.S. In total, we proudly serve nearly 3 4 million cardholders and have extended nearly $6 billion in credit. We also provide consumer finance options to marine, RV, powersports, horse and utility trailer dealers across the country to help customers find new opportunities to get what they need for recreation. As a top 12 Merchant Acquirer, Merrick Bank’s merchant business provides support to over 150,000 merchants through approximately 40 independent sales organizations, with over $60B in annual card purchase volume. We offer a wide range of High-Yield Certificates of Deposit with competitive rates and FDIC insurance up to the maximum allowed by law – as Merrick Bank is extremely well capitalized and poised for continued growth. Not finding the right fit? Let us know you're interested in a future opportunity by clicking Get Started below or create an account by clicking 'Sign In' at the top of the page to set up email alerts as new job postings become available that meet your interest!