Cardworks Jobs (NOW HIRING)

Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day.

Who we are

Founded in 1997, Merrick Bank is an FDIC-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.

What we do

We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses.

Merrick Bank ranks among the top 20 FDIC-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.

Position Summary

The Manager, Card Business Analytics drives profitable growth, optimizes credit performance, and advances analytical rigor across Merrick Bank's credit card business with a direct and meaningful P&L impact on the overall credit card business. This role contributes to a wide spectrum of programs and workstreams across the customer lifecycle - including acquisitions, credit line management, portfolio monitoring, valuations and more.

Additionally, this role partners closely with crossfunctional teams including Modeling, Finance, Marketing, Legal, and Compliance. The position requires strong quantitative expertise, strategic foresight, and the ability to translate insights into highimpact business decisions that support both nearterm goals and longterm portfolio health. The Manager role contributes to a highly talented team working on data-driven solutions to core business problems leveraging cutting-edge analytics, with expertise in Python, SQL, and Microsoft Excel/VBA along with knowledge of PowerBI or Tableau.

Essential Functions

• Contributes to the design and optimization of integrated credit strategies, including credit line management, acquisition policies, and product frameworks to balance growth and risk.

• Contributes to innovation in valuation methodologies, decision frameworks, analytics, and modeling integration to improve portfolio performance and profitability.

• Performs valuation exercises across programs such as credit line increases and new account acquisitions, ensuring assumptions and economics are accurate and optimized.

• Conducts periodic model monitoring and recommends valuation changes, tracking outcomes to ensure value creation.

• Designs, launches, and monitors A/B and multivariate tests that enhance credit strategies and identify new growth opportunities.

• Maintains the test inventory, creates iterative testing roadmaps, and institutionalizes learnings across teams.

• Supports and enhances performance monitoring suites, leads reporting forums, and develops insights to inform strategy updates.

• Performs ongoing monitoring of strategic initiatives to ensure expected results and early identification of emerging risks.

• Partners with channel owners, Data Science/Modeling, Finance, and other teams to ensure strategic alignment and highquality execution.

• Socializes strategies, influences business decisions, and presents insights and recommendations to senior leadership and executives.

• Serves as a champion of change, communicating effectively and leading from the front in a fastpaced environment.

Compliance with Laws & Regulations:

• Responsible for complying with all of the Bank's internal control policies and procedures.

• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.

• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Education and Experience:

• Bachelor's Degree in an analytical or quantitative field such as Statistics, Mathematics, Computer Science, Economics, Business Intelligence, Finance, or Engineering is required.

• Master's Degree in an analytical or quantitative field such as Statistics, Mathematics, Computer Science, Economics, Business Intelligence, Finance, or Engineering is preferred.

• Two (2) years' experience (with a Master's Degree) or three (3) years' experience (with Bachelor's degree) in data analytics, strategy execution, decision engine, cloud data, or equivalent experience is required.

• Previous experience in financial services, consulting, or corporate strategy is preferred.

Summary of Qualifications:

• Profound expertise in Python, SQL, and Microsoft Excel/VBA.

• Proficiency with PowerBI, Tableau, or similar tools.

• Proficiency with Microsoft Office tools like Excel, PowerPoint, Word, etc.

• Comfort with ambiguity and working hands-on with large analytical datasets to perform complex analyses.

• Excellent verbal, written, and interpersonal communication skills.

• Demonstrated strengths with problem-solving, critical thinking, detail-orientation, and organization.

• Advanced quantitative skills, including knowledge of probability, statistical inference, and regression analysis principles.

#INDHP1

Why join us

We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people.

At Merrick Bank, you'll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.

We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.

If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.