Job Overview

The Card Portfolios Product Manager is responsible for the management, growth, and optimization of Citadel’s debit and credit card portfolios. This role is crucial in driving the strategic direction and financial success of our debit and credit card businesses, while ensuring our card programs remain competitive, profitable, and meet member expectations and regulatory requirements.

Responsibilities

Lead the development and enhancement of credit and debit card products, features, and benefits to meet market demands and enhance member satisfaction.
Ensure maximum cardholder acquisition, retention, activation, and usage rates by monitoring portfolio performance metrics and making appropriate alterations.
Develop and manage annual budget and forecast, including revenue, fee income, and expense management.
Conduct analysis and research on market trends, member behaviors, and competitive landscape to support decision making.
Work closely with Risk and Compliance teams to ensure adherence to regulatory standards.
Collaborate with Marketing teams to develop effective marketing strategies and campaigns to promote our card products, acquire and retain members, and increase card utilization.
Collaborate with Sales Channels (branch, online) to ensure effective distribution and promotions of card products.
Prepare and present regular reports and presentations to management highlighting portfolio performance, key initiatives, and recommendations.
Build and maintain relationships with key stakeholders, including internal departments, external partners, and vendors.

Qualifications and Education Requirements

Bachelor's degree in business, finance, marketing, or a related field.
Minimum of 7 years of experience in card portfolio management within the banking or financial services industry.
Strong understanding of card products and payment systems, industry trends, regulatory requirements, and competitive landscape.
Excellent communication and interpersonal skills, with the ability to influence and collaborate with internal stakeholders.
Strong analytical and problem-solving abilities.
Ability to manage multiple priorities and work under pressure.

Performance Measurements

Performance is based on the Citadel corporate scorecard as well as departmental and individual goals.

Work Environment

This position will be in an office environment with most work done on a computer. Some events may take place outdoors. Reasonable accommodations will be provided.

Physical Demands

The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee will regularly lift and/or move up to ten pounds. The employee will regularly sit; talk; hear; use hands to finger, handle, or feel; and reach with hands and arms. The employee will occasionally stand. Special vision requirements include close vision and the ability to adjust focus. The noise level in the work environment is usually moderate.

Travel to local and, on occasion, out-of-town meetings and events is required.

EEO Statement

Citadel is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to status as a protected veteran or a qualified individual with a disability, or other protected status, such as race, religion, color, national origin, sex, age. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

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Citadel Federal Credit Union

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Card Portfolios Product Manager