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Credit Card Portfolio Jobs (NOW HIRING)

Bank Iowa

Credit Card Specialist

West Des Moines, IA · On-site

Responsible for supporting and administering the bank's credit card processing and credit card strategies to increase product penetration and enhance the organization's credit card portfolio. * Work ...

Bank Iowa

Credit Card Specialist

West Des Moines, IA · On-site

Responsible for supporting and administering the bank's credit card processing and credit card strategies to increase product penetration and enhance the organization's credit card portfolio. * Work ...

BANK IOWA

Credit Card Specialist

West Des Moines, IA · On-site

Responsible for supporting and administering the bank's credit card processing and credit card strategies to increase product penetration and enhance the organization's credit card portfolio. * Work ...

BANK IOWA

Credit Card Specialist

West Des Moines, IA · On-site

Responsible for supporting and administering the bank's credit card processing and credit card strategies to increase product penetration and enhance the organization's credit card portfolio. * Work ...

Blend360

Credit Card Strategist

Minneapolis, MN

$85K - $98K/yr

Portfolio Performance & Growth Analytics * Analyze consumer credit card portfolio performance across the customer lifecycle, including acquisition, activation, engagement, retention, and reactivation ...

Blend360

Credit Card Strategist

Minneapolis, MN · On-site

$85K - $98K/yr

Portfolio Performance & Growth Analytics * Analyze consumer credit card portfolio performance across the customer lifecycle, including acquisition, activation, engagement, retention, and reactivation ...

Blend360

Credit Card Strategist

Minneapolis, MN · On-site

$85K - $98K/yr

Portfolio Performance & Growth Analytics * Analyze consumer credit card portfolio performance across the customer lifecycle, including acquisition, activation, engagement, retention, and reactivation ...

Blend360

Credit Card Strategist

Colorado Springs, CO · On-site

$80K - $93K/yr

Portfolio Performance & Growth Analytics * Analyze consumer credit card portfolio performance across the customer lifecycle, including acquisition, activation, engagement, retention, and reactivation ...

Blend360

Credit Card Strategist

Minneapolis, MN · On-site

$85K - $98K/yr

Portfolio Performance & Growth Analytics * Analyze consumer credit card portfolio performance across the customer lifecycle, including acquisition, activation, engagement, retention, and reactivation ...

Blend360

Credit Card Strategist

Colorado Springs, CO

$80K - $93K/yr

Portfolio Performance & Growth Analytics * Analyze consumer credit card portfolio performance across the customer lifecycle, including acquisition, activation, engagement, retention, and reactivation ...

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Showing results 1-20

All JobsCredit Card Portfolio Jobs

Credit Card Portfolio information

See salary details

$135.5K

$163.8K

$195K

How much do credit card portfolio jobs pay per year?

As of Aug 3, 2026, the average yearly pay for credit card portfolio in the United States is $163,832.00, according to ZipRecruiter salary data. Most workers in this role earn between $152,000.00 and $175,500.00 per year, depending on experience, location, and employer.

What is a credit card portfolio?

A credit card portfolio refers to the collection of credit card accounts that are managed by a financial institution or lender. This includes all the accounts, balances, and associated risks and revenues tied to the credit cards issued by the organization. Managing a credit card portfolio involves monitoring performance, minimizing risk, and optimizing profitability by analyzing customer behavior, payment patterns, and creditworthiness. Portfolio managers use data-driven strategies to maximize returns and minimize losses for the institution.

What are the key skills and qualifications needed to thrive as a Credit Card Portfolio Manager, and why are they important?

To thrive as a Credit Card Portfolio Manager, you need strong analytical skills, knowledge of consumer lending, and expertise in financial risk assessment, typically supported by a degree in finance, economics, or a related field. Familiarity with portfolio management software, credit risk modeling tools, and regulatory compliance systems is essential. Leadership, strategic thinking, and effective communication distinguish top performers in this role. These competencies are crucial for optimizing portfolio profitability, managing risks, and ensuring regulatory compliance in a dynamic financial environment.

What is the difference between Credit Card Portfolio vs Credit Analyst?

AspectCredit Card PortfolioCredit Analyst
CredentialsTypically requires a bachelor's degree in finance, economics, or related fieldRequires a bachelor's degree, often with certifications like CFA or credit analysis courses
Work EnvironmentPrimarily in banking or financial institutions managing credit card productsIn banks, lending institutions, or credit agencies analyzing credit data
Employer & IndustryFinancial services, banking, credit card companiesBanking, lending, credit risk management
Search & Comparison IntentUnderstanding credit card product management and portfolio performanceAssessing creditworthiness and risk analysis

The main difference is that a Credit Card Portfolio focuses on managing and optimizing a portfolio of credit card accounts, while a Credit Analyst evaluates individual credit applications and assesses credit risk. Both roles require financial analysis skills, but their responsibilities and work environments differ significantly.

What are some common challenges faced when managing a credit card portfolio, and how can they be addressed?

One common challenge in managing a credit card portfolio is balancing risk with portfolio growth; this involves carefully monitoring credit quality while also identifying opportunities to expand cardholder usage and acquisition. Another challenge is staying ahead of regulatory changes and compliance requirements, which requires close collaboration with legal and compliance teams. Additionally, portfolio managers often work cross-functionally with marketing, analytics, and customer service teams to optimize product offerings and enhance customer engagement. Proactively addressing these challenges by leveraging data analytics, regular training, and fostering strong interdepartmental communication can help ensure portfolio health and sustainable growth.
More about Credit Card Portfolio jobs
What job categories do people searching Credit Card Portfolio jobs look for? The top searched job categories for Credit Card Portfolio jobs are:
Credit Card Portfolio jobs near you
Infographic showing various Credit Card Portfolio job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 85% Full Time, 13% Part Time, and 1% Contract. Highlights an 98% Physical, 1% Hybrid, and 1% Remote job distribution, with an average salary of $163,832 per year, or $78.8 per hour.

VP, Credit Card Portfolio

ANDREWS FEDERAL CREDIT UNION

Suitland, MD • On-site

Full-time

Posted 12 days ago

Job description

Position Summary 

The Vice President, Credit Card Portfolio is responsible for leading the growth, profitability, and strategic direction of the credit card business for a $2.69B credit union. This executive owns portfolio performance, including new account growth, activation, spend, balances, interchange income, retention, and credit quality. The role combines portfolio management, analytics, product strategy, marketing optimization, and cross-functional leadership to drive sustainable growth while maintaining alignment with the credit union's risk appetite and member-first mission. 

Key Responsibilities 

  • Develop and execute a credit card growth strategy designed to increase card penetration, new account acquisition, active cardholders, purchase volume, outstanding balances, and overall portfolio profitability. 

  • Own portfolio performance and growth objectives, including new accounts, activation rates, card usage, outstanding balances, revolving balances, purchase volume, interchange revenue, net interest income, and return on assets. 

  • Lead acquisition strategies through pre-approved, pre-qualified, cross-sell, digital, branch, and partnership channels while optimizing approval rates, activation rates, and cost of acquisition. 

  • Drive activation and engagement strategies that improve first-use rates, increase active cardholders, and accelerate card usage and spend. 

  • Develop initiatives to increase purchase volume, transaction frequency, wallet share, rewards engagement, and average spend per active account. 

  • Lead retention and loyalty strategies designed to reduce portfolio attrition, improve active card retention, and increase customer lifetime value. 

  • Manage portfolio profitability through optimization of pricing, rewards, credit line management, balance transfer programs, promotional offers, and member engagement strategies. 

  • Oversee portfolio analytics across acquisition, activation, utilization, spend, revolve rate, attrition, profitability, and lifetime value to identify growth opportunities. 

  • Conduct segmentation, cohort, and vintage analyses to improve card penetration, utilization, balances, and profitability. 

  • Develop predictive models and forecasting methodologies to project portfolio growth, purchase volume, revolving balances, interchange revenue, profitability, attrition, and lifetime value. 

  • Evaluate and optimize credit line assignment, credit limit increase programs, and utilization strategies to increase responsible balance growth while maintaining acceptable risk levels. 

  • Work with Risk to monitor delinquency, charge-offs, loss rates, fraud losses, and credit quality indicators. 

  • Partner with Marketing to monitor campaign effectiveness using performance metrics and ROI analysis to improve conversion, activation, spend growth, and retention outcomes. 

  • Assess channel effectiveness across digital, branch, direct mail, and partnerships and adjust investment based on performance and ROI. 

  • Build business cases and financial projections for new products, enhancements, partnerships, and growth initiatives. 

  • Develop executive dashboards that track portfolio growth, active accounts, card penetration, balances, profitability, activation rates, retention, and credit quality. 

  • Present portfolio performance, forecasts, growth opportunities, and strategic recommendations to executive leadership and the Board. 

  • Lead, develop, and mentor a high-performing team focused on portfolio growth, analytics, profitability, and member engagement. 

Qualifications 

  • 10+ years of progressive experience in credit card portfolio management, consumer lending, payments, or retail banking. 

  • Bachelor’s degree required; advanced degree preferred. 

  • Demonstrated success growing a credit card portfolio within a credit union, regional bank, or similar-sized financial institution. 

  • Strong experience with portfolio analytics, P&L management, forecasting, segmentation, and growth strategy. 

  • Experience leading cross-functional initiatives across Marketing, Risk, Finance, Operations, and Product. 

  • Executive-level communication and leadership skills. 

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