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Credit Card Underwriting Jobs (NOW HIRING)

Bank of Colorado

CREDIT CARD CSR

Papillion, NE

Credit Card Csr Assists with customer service phone and email requests from branches and processor ... underwriting, and collections. May assist in various other areas of operations. Performs other ...

First National Bank

Credit Analyst

Sioux Falls, SD

Complete additional underwriting tasks such as Fed Funds Reviews, credit card underwriting for both retail and commercial, and SBA Lending to meet all requirements. Loan Monitoring & Review Monitor ...

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Credit Card Underwriting information

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$46.5K

$87.3K

$148.5K

How much do credit card underwriting jobs pay per year?

As of Jun 16, 2026, the average yearly pay for credit card underwriting in the United States is $87,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $101,500.00 per year, depending on experience, location, and employer.

What is credit card underwriting?

Credit card underwriting is the process by which banks or financial institutions assess an applicant's creditworthiness before approving a new credit card account. Underwriters review factors such as credit history, income, debt-to-income ratio, and employment status to determine the risk of extending credit. This process helps lenders decide whether to approve the application, set credit limits, and assign interest rates. The goal is to minimize risk for the lender while offering credit responsibly to qualified applicants.

What are some common challenges faced by credit card underwriters, and how can they be managed effectively?

Credit card underwriters often encounter challenges such as assessing the creditworthiness of applicants with limited or complex financial histories, keeping up with changing regulatory requirements, and balancing risk with business growth objectives. Effective management of these challenges involves staying updated on credit policies, leveraging advanced data analytics tools, and collaborating closely with risk and compliance teams. Regular training and open communication within the underwriting team also play a crucial role in maintaining accuracy and decision consistency.

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

To thrive as a Credit Card Underwriter, you need strong analytical skills, a solid understanding of credit risk, and typically a background in finance, accounting, or a related field. Familiarity with credit scoring models, underwriting software, and regulatory compliance systems is crucial. Attention to detail, decision-making ability, and effective communication are essential soft skills that set top performers apart. These competencies ensure accurate risk assessment, minimize defaults, and support the institution's financial health.

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

AspectCredit Card UnderwritingCredit Analyst
CredentialsTypically requires a bachelor's degree in finance, economics, or related fieldSimilar credentials, often with additional certifications like CFA
Work EnvironmentMostly in banking or financial institutions, assessing individual credit applicationsIn various industries, analyzing credit data for loans, investments, or portfolios
Employer & Industry UsageUsed primarily in credit card companies and banksUsed across banking, investment firms, and corporate finance
Comparison Search IntentHigh overlap in assessing creditworthiness of individuals for credit card approvalBroader focus on credit risk analysis for various financial products

While both roles involve evaluating credit data, Credit Card Underwriting specifically focuses on assessing individual applicants for credit card approval, whereas Credit Analysts analyze broader credit risks across different financial products and portfolios. Understanding these differences helps in choosing the right career path or job focus within the finance industry.

More about Credit Card Underwriting jobs
What cities are hiring for Credit Card Underwriting jobs? Cities with the most Credit Card Underwriting job openings:
What states have the most Credit Card Underwriting jobs? States with the most job openings for Credit Card Underwriting jobs include:
What job categories do people searching Credit Card Underwriting jobs look for? The top searched job categories for Credit Card Underwriting jobs are:
Credit Card Underwriting jobs near you
Infographic showing various Credit Card Underwriting job openings in the United States as of June 2026, with employment types broken down into 80% Full Time, and 20% Part Time. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.
AVP Credit Card Acquisitions

AVP Credit Card Acquisitions

PenFed Credit Union

Eugene, OR • Hybrid

Full-time

Posted 7 days ago

PenFed Credit Union rating

7.1

Company rating: 7.1 out of 10

Based on 11 frontline employees who took The Breakroom Quiz

Job description

Overview

PenFed is hiring a (Hybrid) AVP Credit Card Acquisitions at our Tysons, Virginia; Eugene, Oregon; Omaha, Nebraska or San Antonio, Texas location. The incumbent of this role will be accountable for driving new credit card acquisitions across all channels, including Direct Mail, Digital, Financial and Contact Centers, and Partnerships. The role owns the acquisition strategy and delivery against ambitious growth targets, ensuring disciplined economics and scalable execution. The role collaborates closely with Credit Policy, Marketing, BI/Analytics teams and other partners including underwriting, finance, channel leadership, and technology to optimize acquisition and targeting strategies, improve conversion and drive sustained portfolio growth. This position will maintain strong relationships across consumer bank products, Compliance, Legal, IT, Fraud, and Card Operations to drive success of the high growth consumer business. Primary KPIs include new card acquisitions, channel-level conversion rates, CPA, and overall acquisition economics.


Responsibilities

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties, and the position will perform other duties as assigned.

  • Own end to end card acquisition strategy across Direct Mail, Digital, Financial and Contact Centers, and Partnership channels.

  • Deliver against aggressive new card acquisition targets while maintaining disciplined economics. Establish channel specific KPIs, dashboards and performance routines.

  • Drive acquisition campaigns including pre-approval, pre-screen and invitation to apply campaigns across member base and non-members in the target segments.

  • Responsible for collaborating with partners to manage CPA, payback and lifetime value targets.

  • Closely partner with credit policy and analytics team on segmentation, targeting and credit buy box expansion for acquisition. Continuously monitor and improve the credit declines, identify policy improvement areas and process issues.

  • Partner with Decision Science team to build and improve models to effectively target new members. Partner with marketing to refine targeting, offers and channel strategies.

  • Collaborate with underwriting, technology and operations to improve application flows and scalability.

  • Identify growth constraints and develop corrective action plans. Drive alignment across channel leaders on growth priorities.

  • Provide product performance reporting as well as industry benchmark data to executive management; be an expert with respect to the competitive landscape.

  • Leverage data and technology to analyze results, manage performance, and constantly improve the member experience. Optimize acquisition funnels using data driven diagnostics and test-and -learn frameworks.

  • Support the broader product management organization and provide coaching and development opportunities for team members to advance their career.

  • Assist with special product strategy projects as needed.


Qualifications

Equivalent combination of education and experience is considered.

  • Bachelor’s Degree in business or marketing required, Master’s Degree preferred.

  • Minimum of twelve (12) years’ experience in card acquisition and growth with product leadership roles at credit union, banking and/or fintech industries required.

  • Minimum of five (5) years’ direct management experience and one (1) year of experience in a Director Level role required.

  • Experience working with branches and contact centers distribution models required.

  • Proven success in driving acquisition at scale across multiple channels.

  • Strong expertise in acquisition economics, direct marketing, and funnel optimization.

  • Strong analytical and financial skills coupled with execution discipline.

  • Proven ability to address and persuade multiple constituencies including senior executives.

  • Demonstrated ability to influence cross function teams.

  • Excellent communicator across all levels within an organization providing clarity to complex concepts and solutions.

  • Ability to deliver initiatives from conception through completion on time, within budget, and on or beyond scope.

  • Experience using A.I. tools preferred.

Supervisory Responsibility

This position will supervise employees.

Licenses and Certifications

No additional licenses or certifications required.

Work Environment

While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.

*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*

Travel

Ability to travel to various worksites and be on call may be required.

#LI-Hybrid

Qualifications:

Equivalent combination of education and experience is considered.

  • Bachelor’s Degree in business or marketing required, Master’s Degree preferred.

  • Minimum of twelve (12) years’ experience in card acquisition and growth with product leadership roles at credit union, banking and/or fintech industries required.

  • Minimum of five (5) years’ direct management experience and one (1) year of experience in a Director Level role required.

  • Experience working with branches and contact centers distribution models required.

  • Proven success in driving acquisition at scale across multiple channels.

  • Strong expertise in acquisition economics, direct marketing, and funnel optimization.

  • Strong analytical and financial skills coupled with execution discipline.

  • Proven ability to address and persuade multiple constituencies including senior executives.

  • Demonstrated ability to influence cross function teams.

  • Excellent communicator across all levels within an organization providing clarity to complex concepts and solutions.

  • Ability to deliver initiatives from conception through completion on time, within budget, and on or beyond scope.

  • Experience using A.I. tools preferred.

Supervisory Responsibility

This position will supervise employees.

Licenses and Certifications

No additional licenses or certifications required.

Work Environment

While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.

*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*

Travel

Ability to travel to various worksites and be on call may be required.

#LI-Hybrid

Education:UNAVAILABLEEmployment Type: FULL_TIME

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