FVP of Credit Card Lending

2 months ago

San Diego, United States axosbank.com Full time

Axos Bank

Target Range:
$150,000.00/Yr. - $155,000.00/Yr.
Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Eligible for an Annual Discretionary Cash Bonus Target: 15%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 15%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job
Axos is hiring a First Vice President of Credit Card Lending to lead, manage, and implement new credit card products. The location is onsite in San Diego, CA. The primary purpose of this position is to drive business strategies for Axos Bank's card portfolio to maximize portfolio growth, utilization, and balances. The incumbent will coordinate across stakeholders including marketing, credit, legal, operations, compliance, data analytics, and external vendors to develop and execute strategies that grow new account acquisition and cardholder engagement while maximizing profitability. This position will emphasize coordinating marketing strategy, credit risk management, new product/offer development, targeted offer segmentation, performance assessment, and financial analysis leveraging internal and external sources. This position requires a strong card product knowledge and analytical background, which brings problem-solving skills and innovative thinking that will lead to strategic insights to foster card portfolio growth and profitability.

Responsibilities:

  • Lead the development of new card origination strategies and marketing optimization across direct mail, digital, branch, and call centers
  • Lead and operate the product within strict regulatory compliance
  • Responsible for making recommendations on targeted acquisition segmentation, product offering optimization, risk/marketing eligibility criteria, and pricing strategies
  • Oversee existing credit and debit card account engagement analytics, including plastic/purchase activation, customer loyalty and rewards strategies, inactive/dormant reactivation, and retention
  • Responsible for growing portfolio balances, revenue, and profitability
  • Conduct business analysis through customers' behavior (revolver/transactor/dormant) and demographics, credit risk attributes, and other internal/external data elements, to identify 1) segments with high growth potential & profitable prospects, and 2) segments that are underperforming, provide recommendations to optimize marketable universe, targeted product offering, and marketing investments, then regularly present key findings, and recommendations to senior executives
  • Partner with the marketing team to enhance effective test and learn opportunities, design the appropriate marketing campaign test, and offer a plan that would significantly increase card usage across all phases of the cardholder lifecycle, including acquisition, usage, and retention
  • Coordinate with credit risk management to support developing the card product-specific credit policy (approve/decline and line assignment) for both targeted and untargeted prospects, providing the full P&L analysis based on projected risk mitigation and market/revenue growth
  • Support member and non-member campaign performance evaluations across all existing and prospect touchpoints, including direct mail, digital, call center, and branches
  • Assist the evaluation and implementation of targeted statistical models built by modeling team and/or vendors into campaign test design, measure model performance scorecards used in card marketing analytics, and make recommendations
  • Partner with Consumer Banking and other cross-functional teams to enhance cross-sell/bundle opportunities to deliver a compelling value add for our customers
  • Interpret analytic findings and formulate recommendations to share with key decision-makers
  • Clearly articulate findings and observations and make recommendations as appropriate
  • Regularly partner with Marketing, Operations, Credit Risk, Finance, and external vendors as appropriate
  • Respond to compliance, internal audit, 3rd party audit, OCC, and any other regulatory requests
Requirements:
  • Bachelor's degree
  • 7+ years' experience in credit cards or payments
  • Management experience
  • Banking/financial services
Axos Employee Benefits May Include:
  • Medical, Dental, Vision, and Life Insurance
  • Paid Sick Leave, 3 weeks' Vacation, and Holidays (about 11 a year)
  • HSA or FSA account and other voluntary benefits
  • 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
  • Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading


About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We're a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers.

Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

Learn more about working at Axos

Pre-Employment Background Check and Drug Test:

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Equal Employment Opportunity:

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment:

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

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