Vice President, Head of Balance Transfer Strategy

Start your next chapter shaping a high-impact lending strategy with real ownership and visible outcomes. You’ll partner across teams to deliver responsible growth and a great customer experience.

As a Vice President, Head of Balance Transfer Strategy in Credit Solutions, you will own the end-to-end strategy and performance for balance transfers offered to existing credit card customers, translating insights into decisions that improve customer and business outcomes.

Job responsibilities

• Own the end-to-end balance transfer strategy, including growth priorities, offer design, pricing, targeting, segmentation, and eligibility

• Manage full business performance and financial outcomes, setting clear objectives and tracking results through disciplined reporting

• Build and run a test-and-learn agenda across segments, channels, lifecycle moments, and offer constructs to drive measurable impact

• Partner with product, marketing, risk, finance, analytics, operations, legal, compliance, and controls to evaluate tradeoffs and deliver outcomes

• Influence roadmap priorities by defining high-value opportunities, expected outcomes, and business requirements

• Translate customer needs, behavioral insights, portfolio trends, and macro dynamics into clear recommendations and business cases

• Produce executive-ready updates that simplify complex topics and support fast, high-quality decision-making

• Lead cross-functional execution from strategy through implementation with strong accountability and stakeholder management

• Develop and coach a high-performing team while sustaining strong governance, risk management, and controls

Required qualifications, capabilities, and skills

• Minimum 8 years of experience in strategy, product management, consumer lending, credit cards, financial services, consulting, analytics, risk management, finance, or marketing strategy

• Demonstrated experience owning or materially influencing financial outcomes for a lending, payments, financial services, or customer growth business

• Strong executive communication skills, including the ability to simplify complexity, frame tradeoffs, and present clear recommendations

• Strong analytical skills, with the ability to interpret financial, customer, credit, and marketing data and translate insights into decisions

• Experience developing segmentation, targeting, pricing, offer, or channel strategies that drive measurable business outcomes

• Proven ability to influence senior stakeholders and lead cross-functional teams in a matrixed environment

• Customer-centered problem-solving skills that connect customer needs to operational realities and business performance

• Strong execution discipline, including prioritization, decision-making with imperfect information, and delivering to timelines

• Bachelor’s degree or equivalent practical experience

Preferred qualifications, capabilities, and skills

• MBA or advanced degree in business, finance, economics, analytics, marketing, or a related field

• Experience with U.S. credit cards, unsecured lending, existing customer marketing, portfolio management, promotional financing, or balance transfer products

• Background in pricing strategy, credit risk strategy, segmentation, campaign optimization, marketing analytics, or digital product strategy

• Hands-on experience applying AI or advanced analytics to workflows such as targeting, pricing analysis, test design, performance diagnostics, or process automation

• Experience building materials for executive business reviews, investment forums, governance, or strategic planning

• Familiarity with regulatory, control, compliance, and governance expectations for consumer lending products

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.