Santander US
Sr. Associate, Credit Card Portfolio Management, Boston, MA
Santander US, Boston, Massachusetts, us, 02298
Senior Associate, Credit Card Portfolio Management — Boston, MA
Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities
We Want to Talk to You! The Difference You Make: Santander Bank is seeking a highly motivated and analytically driven
Senior Associate Portfolio Manager
to lead lifecycle strategies across our
Consumer Credit Card portfolio . This individual will be responsible for
optimizing customer engagement and profitability
by driving initiatives focused on
activation, balance growth, revolving behavior, purchase volume,
and
retention . The ideal candidate will bring deep expertise in credit card portfolio dynamics, segmentation, P&L levers, and customer behavior to improve portfolio performance and ensure sustainable growth. Lead Lifecycle Optimization
Design and execute customer-level strategies to optimize credit card performance through the full lifecycle—activation, usage, balance transfers, spend growth, and retention. Drive Portfolio Profitability
Enhance portfolio revenue by increasing
revolving balances , improving
balance build
strategies, and identifying levers to
optimize P&L
performance across customer segments. Develop Segmentation Strategies
Partner with decision science team to define and refine credit card segmentation models to tailor actions across transactors, revolvers, dormant users, and high-risk segments. Campaign Management & Execution
Collaborate with marketing, risk, and digital to develop data-driven campaigns to increase
purchase volume
and reduce
early life churn . Performance Monitoring
Own key performance indicators (KPIs) across customer cohorts and initiatives. Continuously monitor results, test and learn, and refine strategies based on insights. Cross-functional Leadership
Work closely with Product, Risk, Marketing, Finance, and Technology teams to align lifecycle strategies with broader credit card business objectives. What You Bring
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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. Bachelors Degree or equivalent work experience: Business, Economics, Finance or equivalent field. -
Required. Masters Degree: Business, Economics, Finance or equivalent field. -
Preferred. 9+ Years Related work experience. 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 acumen with 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 Certifications
No Certifications listed for this job. It Would Be Nice For You To Have
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know : The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications 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) (https://comms.santander.us/r/c-1x-asoDvZMQUmQ9qBf0gNi6cS-sCOOUmrXQKufnl-c92ox6n4.htm) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. 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 for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights : This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. 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 due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs. Primary Location:
Boston, MA, Boston Other Locations:
Massachusetts-Boston,New York-New York Organization:
Santander Bank N.A. AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
#J-18808-Ljbffr
Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities
We Want to Talk to You! The Difference You Make: Santander Bank is seeking a highly motivated and analytically driven
Senior Associate Portfolio Manager
to lead lifecycle strategies across our
Consumer Credit Card portfolio . This individual will be responsible for
optimizing customer engagement and profitability
by driving initiatives focused on
activation, balance growth, revolving behavior, purchase volume,
and
retention . The ideal candidate will bring deep expertise in credit card portfolio dynamics, segmentation, P&L levers, and customer behavior to improve portfolio performance and ensure sustainable growth. Lead Lifecycle Optimization
Design and execute customer-level strategies to optimize credit card performance through the full lifecycle—activation, usage, balance transfers, spend growth, and retention. Drive Portfolio Profitability
Enhance portfolio revenue by increasing
revolving balances , improving
balance build
strategies, and identifying levers to
optimize P&L
performance across customer segments. Develop Segmentation Strategies
Partner with decision science team to define and refine credit card segmentation models to tailor actions across transactors, revolvers, dormant users, and high-risk segments. Campaign Management & Execution
Collaborate with marketing, risk, and digital to develop data-driven campaigns to increase
purchase volume
and reduce
early life churn . Performance Monitoring
Own key performance indicators (KPIs) across customer cohorts and initiatives. Continuously monitor results, test and learn, and refine strategies based on insights. Cross-functional Leadership
Work closely with Product, Risk, Marketing, Finance, and Technology teams to align lifecycle strategies with broader credit card business objectives. What You Bring
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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. Bachelors Degree or equivalent work experience: Business, Economics, Finance or equivalent field. -
Required. Masters Degree: Business, Economics, Finance or equivalent field. -
Preferred. 9+ Years Related work experience. 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 acumen with 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 Certifications
No Certifications listed for this job. It Would Be Nice For You To Have
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know : The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications 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) (https://comms.santander.us/r/c-1x-asoDvZMQUmQ9qBf0gNi6cS-sCOOUmrXQKufnl-c92ox6n4.htm) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. 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 for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights : This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. 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 due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs. Primary Location:
Boston, MA, Boston Other Locations:
Massachusetts-Boston,New York-New York Organization:
Santander Bank N.A. AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
#J-18808-Ljbffr