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Credit Card Portfolio Analyst Jobs (NOW HIRING)

Snap Finance

Maintain a simple but visible portfolio/initiative tracker for our branded credit card. * Partner with Analytics and Finance to monitor KPIs and dashboards for our branded credit card performance (e ...

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Credit Card Portfolio Analyst information

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$49

How much do credit card portfolio analyst jobs pay per hour?

As of Sep 11, 2026, the average hourly pay for credit card portfolio analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

What does a credit card portfolio analyst do?

A Credit Card Portfolio Analyst is responsible for monitoring and analyzing the performance of a financial institution's credit card portfolio. They evaluate trends in card usage, delinquencies, and profitability to identify risks and opportunities. Their work helps inform decisions on credit policies, product offerings, and marketing strategies. Additionally, they often collaborate with risk management, finance, and marketing teams to optimize portfolio growth and minimize losses.

What are the key skills and qualifications needed to thrive as a credit card portfolio analyst?

To thrive as a Credit Card Portfolio Analyst, you need strong analytical skills, a solid understanding of financial products, and a degree in finance, economics, or a related field. Proficiency in data analysis tools such as SQL, Excel, and business intelligence platforms, along with knowledge of risk assessment models, is typically required. Attention to detail, problem-solving abilities, and effective communication help analysts interpret data trends and present recommendations clearly. These skills ensure accurate portfolio performance assessment, support strategic decision-making, and help manage risk in a competitive financial environment.

What are some common challenges faced by credit card portfolio analysts when managing risk and profitability?

Credit Card Portfolio Analysts often encounter challenges balancing risk management with profitability goals. Identifying emerging credit risks in a diverse customer base, adapting to regulatory changes, and responding to shifts in consumer behavior are all routine hurdles. Analysts must also work closely with cross-functional teams—including risk, marketing, and operations—to implement strategies that optimize both growth and risk controls. Staying current with industry trends and leveraging data analytics are crucial for overcoming these challenges and driving successful portfolio performance.

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

AspectCredit Card Portfolio AnalystCredit Risk Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; certifications like CFA are a plusBachelor's degree in finance, economics, or related field; certifications like CFA are common
Work EnvironmentFinancial institutions, credit card companies, banksFinancial institutions, banks, credit agencies
Employer & Industry UsageFocuses on managing credit card portfolios, analyzing performance, and optimizing profitabilityFocuses on assessing credit risk, developing risk models, and mitigating financial losses

While both roles require a background in finance and similar certifications, the Credit Card Portfolio Analyst primarily manages credit card portfolios and analyzes their performance, whereas the Credit Risk Analyst focuses on assessing and managing credit risk across various lending products.

What cities are hiring for Credit Card Portfolio Analyst jobs?

Cities with the most Credit Card Portfolio Analyst job openings:

What are popular job titles related to Credit Card Portfolio Analyst jobs?

For Credit Card Portfolio Analyst jobs, the most frequently searched job titles are:

Infographic showing various Credit Card Portfolio Analyst job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

VP, Credit Card Portfolio

Suitland, MD • On-site

ANDREWS FEDERAL CREDIT UNION
Finance and Insurance • 201 - 500 employees
Learn more about ANDREWS FEDERAL CREDIT UNIONexternal

Full-time

Re-posted 21 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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