Card Product Analyst

Team: Digital Banking : Product

Location: Remote

Commitment: Full Time

Workplace Type: remote

Salary:

DUTIES AND RESPONSIBILITIES:

• Build, maintain, and enhance card program performance dashboards, scorecards, and recurring management reporting 

• Monitor and analyze card activation, usage, transaction volume, purchase activity, fraud, ATM activity, disputes, chargebacks, digital wallet adoption, and other customer engagement and program performance metrics 

• Identify performance trends, risks, and opportunities, and prepare clear findings and recommendations for product leadership and cross-functional partners 

• Manage Network incentive reimbursement activities, including tracking eligible commitments, coordinating required documentation with Marketing, submitting support, and monitoring reimbursement status 

• Partner with Operations and Finance to ensure Network rebates and reimbursements are accurately recorded, reconciled, and reported 

• Manage Network mandates, certifications, reporting obligations, and implementation requirements; coordinate quarterly network reporting submissions for accuracy and timeliness 

• Support day-to-day relationships with card networks, processors, ATM networks, digital wallet partners, and other vendors; coordinate issue resolution, operational readiness, and follow-up actions 

• Partner with Product leadership to define, prioritize, and maintain the card product roadmap and backlog; support backlog grooming, release planning, and prioritization activities 

• Gather and document business requirements, business rules, user stories, acceptance criteria, process flows, and functional specifications for card product and operational enhancements 

• Coordinate user acceptance testing, defect validation, production validation, release readiness, implementation planning, and post-production monitoring 

• Track roadmap commitments, implementation milestones, dependencies, risks, decisions, open questions, and required stakeholder actions; escalate issues when necessary 

• Analyze customer complaints, servicing trends, contact drivers, disputes, transaction exceptions, and Voice of Customer feedback to identify recurring pain points and enhancement opportunities 

• Partner with Operations, Customer Care, Fraud, and Technology to identify and implement product enhancements that reduce operational workload, manual intervention, call volume, and customer friction 

• Support customer communications, disclosures, launch activities, and change-management efforts associated with card program enhancements and network requirements 

• Support audit, compliance, risk, and regulatory examinations related to the card program, including gathering evidence, responding to requests, and tracking remediation items 

• Maintain card program documentation, procedures, controls, decision logs, governance materials, and implementation artifacts 

• Collaborate with Compliance, Risk, Legal, Fraud, Technology, Operations, Finance, Marketing, and Customer Care to advance product objectives and resolve issues 

• Prepare executive-ready reports, presentations, recommendations, and program updates 

• Perform other duties as assigned 

QUALIFICATIONS:

• Bachelor's Degree in Business Administration, Finance, Economics, Information Systems, Marketing, Data Analytics, or a related field required 

• Minimum of 3 years of experience in product management, product operations, business analysis, payments, card programs, banking operations, digital banking, fintech, or a related field required 

• Experience supporting debit card, prepaid card, credit card, secured card, payments, money movement, or digital wallet products preferred 

• Experience working with card processors, payment networks, ATM networks, digital wallets, or card program vendors preferred 

• Experience gathering business requirements and translating business needs into product or process enhancements preferred 

• Experience managing backlogs, user stories, acceptance criteria, testing, and prioritization processes preferred. 

• Experience working in a regulated financial services environment preferred 

• Familiarity with card network mandates and rules, Regulation E, card disputes, fraud operations, digital wallets, tokenization, and card servicing processes preferred 

• Proficiency with Microsoft Office tools, including Outlook, Word, PowerPoint, and Excel 

• Excellent verbal, written, and interpersonal communication skills 

• Strong organizational skills and attention to detail 

• Outstanding analytical, problem-solving, and time-management skills 

• Ability to translate data, customer feedback, network requirements, and operational information into practical recommendations 

• Self-motivated, self-directed, and results-oriented 

• Adaptable and able to manage multiple priorities in a fast-paced environment 

• Can work independently and within a team; solution-oriented with a collaborative approach