Credit Card Operations Manager Jobs in Elgin, IL

Company Overview:

At Snap Finance, we believe everyone deserves access to the things they need, regardless of credit history. Since 2012, we've used data, machine learning, and a more human approach to create flexible financing solutions that help people move forward. We're proud of our inclusive, supportive culture, built on empowering our customers, partners, and team members alike. When our people thrive, so does our innovation.

If you're looking to make an impact and grow with a team that values you, come join us!

Job Description

We are looking for a Senior Manager, Credit Card Business Strategy to lead the Credit Building business within the cards organization. This person will be the business and product leader for our credit building experiences, responsible for defining the vision, strategy, and portfolio plan to grow the business and deliver great outcomes for customers building or rebuilding credit.

You will report into the Seen leadership team and be a key thought partner on how we evolve the credit building portfolio. You will identify opportunities, shape strategy, and build data-driven business cases, working closely with Product, Risk, Marketing, Analytics, Operations, and other partner teams to execute.

How you'll make an impact:

• Own the business vision and strategy for the Credit Building portfolio, aligned with Seen and Snap priorities.
• Develop and present strategic proposals and business cases (e.g., new products, features, pricing, product constructs, partnerships, and distribution channels) to senior leadership.
• Define clear goals and KPIs for the Credit Building business and develop a financial plan (e.g., volume, revenue, losses, unit economics) aligned to those KPIs.
• Monitor and track KPIs, goals, and financial performance; identify gaps versus plan and propose solutions and course corrections.
• Translate strategy, insights, and financial goals into structured business cases and product requirements that inform roadmaps owned by Product and Engineering.
• Collaborate with Marketing, Risk, Compliance, and Operations to align on scope and timing for initiatives and ensure that launches are feasible, well-supported, and set up for success.
• Track progress of key initiatives, raise risks, and recommend tradeoffs from a business perspective.
• Deeply understand the needs of consumers who are new to credit, rebuilding credit, or thin-file/near-prime.
• Monitor competitive landscape, market trends, and regulatory changes in credit building products.
• Partner with the Marketing team to identify, size, and maximize cross-sell opportunities into Credit Building from other Snap/Seen products (e.g., leveraging existing customers, applicants, or declined populations).
• Propose journeys, offers, and targeting strategies that use customer and application data from other Snap product lines; work with partner teams to implement and optimize these experiences.
• Partner with Analytics and Finance to build robust measurement frameworks for business performance (e.g., acquisition, activation, revenue, unit economics).
• Design and propose experiments and A/B tests with Analytics, Marketing, and Product teams; interpret results and recommend actions to improve customer outcomes, cross-sell performance, and business metrics.
• Proactively identify issues, diagnose drivers of performance (e.g., funnel drops, loss trends, channel performance), and develop data-driven action plans.
• Work closely with Risk, Compliance, and Legal to ensure proposals and initiatives support sound risk management and regulatory expectations.
• Incorporate regulatory requirements and risk policies into business proposals and requirements, and partner with Product and Operations to embed them in product design and processes.
• Collaborate with Operations to identify pain points and recommend improvements to onboarding, servicing, and issue resolution for credit building customers.
• Act as the single threaded business leader for Credit Building within the GM org, coordinating stakeholders across Product, Risk, Marketing, Operations, and other partner teams.
• Communicate business priorities, tradeoffs, financial impact, and performance clearly to executive stakeholders.
• Help shape how Credit Building fits into the overall Snap/Seen card strategy (alongside Seen's branded credit card and other credit products).

What you'll need to succeed:

• 5+ years of product management, business management, or closely related experience, ideally in consumer finance, credit cards, banking, or fintech.
• Demonstrated experience owning a product, program, or portfolio from a business / P&L perspective: defining KPIs, building financial plans, and driving execution with cross-functional teams.
• Strong analytical skills; comfortable working with data, defining metrics, and partnering with Analytics, Finance, and Marketing to make decisions.
• Experience working with cross-functional partners such as Product, Risk, Marketing, Operations, and Compliance.
• Ability to think strategically and execute pragmatically-balancing growth, customer experience, and risk.
• Excellent written and verbal communication skills, with the ability to influence across levels and functions.

What would make you stand out:

• Experience in credit building products (e.g., secured cards, builder cards, alternative data), consumer lending, or credit risk-heavy products.
• Experience driving cross-sell / lifecycle strategies across multiple financial products.
• Background in a high-growth fintech or startup environment.
• Familiarity with credit card lifecycle metrics and risk / loss levers.
• Experience working with external partners or issuers.

Why Join Us:

• Generous paid time off

• Competitive medical, dental & vision coverage

• 401K with company match for US

• Company-paid life insurance

• Company-paid short-term and long-term disability

• Access to mental health and wellness resources

• Company-paid volunteer time to do good in your community

• Legal coverage and other supplemental options

• A value-based culture where growth opportunities are endless

More:

Snap values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website atwww.snapfinance.com.

California Residents, please review our California Consumer Privacy Act Notice athttps://snapfinance.com/ccpa-notice