Santander Bank, N.A.
Sr. Associate, Credit Card Portfolio Management, Boston, MA
Santander Bank, N.A., Boston, Massachusetts, us, 02298
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Sr. Associate, Credit Card Portfolio Management, Boston, MA
role at
Santander Bank, N.A. Overview
Santander is a global leader and innovator in the financial services industry. The bank seeks to empower employees with opportunities for growth and continuous learning, and to provide a collaborative environment with a culture of engagement and success. What You Will Do
Design and execute customer-level strategies to optimize credit card performance through the full lifecycle — activation, usage, balance transfers, spend growth, and retention. Enhance portfolio profitability by increasing revolving balances, improving balance build strategies, and identifying levers to optimize P&L performance across customer segments. Partner with the decision science team to define and refine credit card segmentation models to tailor actions across transactors, revolvers, dormant users, and high-risk segments. Collaborate with marketing, risk, and digital teams to develop data-driven campaigns to increase purchase volume and reduce early life churn. Own KPIs across customer cohorts and initiatives; continuously monitor results, test and learn, and refine strategies based on insights. Work closely with Product, Risk, Marketing, Finance, and Technology teams to align lifecycle strategies with broader credit card business objectives. What You Bring
Bachelor's Degree or equivalent work experience in Business, Economics, Finance or related field. - Required. Master’s Degree in Business, Economics, Finance or related field. - Preferred. 9+ years of related work experience. - Required. 5+ years of experience in credit card portfolio management, lifecycle marketing, or consumer banking strategy. – Required. Strong understanding of credit card P&L, product economics, and customer value drivers. Proven track record managing balance growth, spend stimulation, activation, and retention strategies. Hands-on experience leveraging segmentation to drive personalization and ROI. Analytical ability to derive insights from large datasets (Excel, SQL, or dashboarding tools). Excellent communication and stakeholder engagement skills. Experience in a top 20 U.S. bank or credit card issuer. - Preferred Familiarity with risk-adjusted return frameworks and pricing optimization. - Preferred Exposure to test-and-learn frameworks and digital campaign execution. - Preferred Base Pay and Benefits
The base pay range is posted below and represents the annualized salary range. For hourly positions, the range is based on a 40-hour work week. Exact compensation may vary by skills, experience, training, licensure and location. Base Pay Range Minimum: $90,000.00 USD Maximum: $155,000.00 USD Link To Santander Benefits Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) EEO and Working Conditions
EEO Statement: Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required. Depending on location, occasional moving and lifting light equipment may be required. What To Do Next
If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation, please contact us at TAOps@santander.us to discuss your needs.
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Sr. Associate, Credit Card Portfolio Management, Boston, MA
role at
Santander Bank, N.A. Overview
Santander is a global leader and innovator in the financial services industry. The bank seeks to empower employees with opportunities for growth and continuous learning, and to provide a collaborative environment with a culture of engagement and success. What You Will Do
Design and execute customer-level strategies to optimize credit card performance through the full lifecycle — activation, usage, balance transfers, spend growth, and retention. Enhance portfolio profitability by increasing revolving balances, improving balance build strategies, and identifying levers to optimize P&L performance across customer segments. Partner with the decision science team to define and refine credit card segmentation models to tailor actions across transactors, revolvers, dormant users, and high-risk segments. Collaborate with marketing, risk, and digital teams to develop data-driven campaigns to increase purchase volume and reduce early life churn. Own KPIs across customer cohorts and initiatives; continuously monitor results, test and learn, and refine strategies based on insights. Work closely with Product, Risk, Marketing, Finance, and Technology teams to align lifecycle strategies with broader credit card business objectives. What You Bring
Bachelor's Degree or equivalent work experience in Business, Economics, Finance or related field. - Required. Master’s Degree in Business, Economics, Finance or related field. - Preferred. 9+ years of related work experience. - Required. 5+ years of experience in credit card portfolio management, lifecycle marketing, or consumer banking strategy. – Required. Strong understanding of credit card P&L, product economics, and customer value drivers. Proven track record managing balance growth, spend stimulation, activation, and retention strategies. Hands-on experience leveraging segmentation to drive personalization and ROI. Analytical ability to derive insights from large datasets (Excel, SQL, or dashboarding tools). Excellent communication and stakeholder engagement skills. Experience in a top 20 U.S. bank or credit card issuer. - Preferred Familiarity with risk-adjusted return frameworks and pricing optimization. - Preferred Exposure to test-and-learn frameworks and digital campaign execution. - Preferred Base Pay and Benefits
The base pay range is posted below and represents the annualized salary range. For hourly positions, the range is based on a 40-hour work week. Exact compensation may vary by skills, experience, training, licensure and location. Base Pay Range Minimum: $90,000.00 USD Maximum: $155,000.00 USD Link To Santander Benefits Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) EEO and Working Conditions
EEO Statement: Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required. Depending on location, occasional moving and lifting light equipment may be required. What To Do Next
If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation, please contact us at TAOps@santander.us to discuss your needs.
#J-18808-Ljbffr