Educational Federal Credit Union · 8 hours ago
Card Portfolio Specialist
Miami, FL
Full-time
Onsite
Mid LevelEducational Federal Credit Union is seeking a Card Portfolio Specialist responsible for the ongoing performance, optimization, and profitability of their card portfolio. This role involves managing the card product lifecycle post-launch, developing analytics-driven insights, and collaborating with various departments to enhance member experience while achieving growth and risk objectives.
CreditCredit BureauDebit CardsFinancial Services
Responsibilities
Own the ongoing performance and optimization of EdFed’s card portfolio across all consumer and small business card products
Monitor and analyze portfolio performance metrics, including growth, activation, utilization, revolve rates, attrition, credit quality, and profitability
Identify performance trends, risks, and opportunities through vintage, cohort, and segmentation analysis
Develop actionable recommendations to improve portfolio outcomes while balancing growth, risk, and member experience
Manage and optimize ongoing card portfolio programs, including but not limited to:
Secured-to-unsecured card graduation strategies
Balance transfer offers and promotional campaigns
Credit line increase and decrease programs
Retention and engagement initiatives
Other growth and retention strategies
Oversee the full lifecycle of card products post-launch, ensuring continued competitiveness, compliance, and alignment with member needs
Evaluate program performance and recommend adjustments to offer structures, eligibility criteria, and targeting strategies
Track and report key performance indicators (KPIs), financial results, and portfolio health metrics to support strategic decision-making
Produce regular and ad-hoc reporting, including executive-level summaries and in-depth analytical reviews
Design and maintain dashboards and data visualizations that provide clear, actionable insights for leadership
Translate complex datasets into concise narratives and recommendations for business stakeholders
Support card product strategy by contributing analytical insights, business cases, and financial forecasts
Partner with Card Product leadership to provide performance feedback that informs future product enhancements and new product design
Collaborate with Retail, Marketing, Operations, and Risk to identify opportunities and develop targeted campaigns that drive portfolio growth and profitability
Champion member feedback and behavioral insights to ensure product and program decisions reflect member needs
Monitor industry trends, regulatory considerations, and competitor offerings to identify opportunities, risks, and emerging best practices
Research and recommend alternatives that more effectively meet business objectives or improve portfolio performance
Assess the impact of market changes on existing card products and portfolio strategies
Drive continuous improvement initiatives to enhance member experience, operational efficiency, and portfolio performance
Identify opportunities to streamline reporting, analytics, and portfolio management processes
Support the refinement of data governance, reporting standards, and performance measurement frameworks
Perform other duties as assigned by management in support of Card Products and organizational objectives
Qualification
Required
Ability to think strategically, conceptually and analytically including strong trouble-shooting skills
Strong ability to interpret complex datasets
Strong attention to detail and solid interpersonal, written and verbal skills
Understanding of product lifecycle, customer behavior, and market dynamics
Ability to meets deadlines and manage changing priorities with limited direction
Experience of acting in a consultancy capacity guiding team members to appropriate decisions
Maintain the confidentiality of the Credit Union and member records at all times
Advanced knowledge of the Credit Union products and services
Intermediate level knowledge or higher of Microsoft software, specifically Excel, Word, Outlook, and PowerPoint
Company
Educational Federal Credit Union
Educational Federal Credit Union offers checking accounts, loans, insurance options, financial planning, digital wallet, and pupil services.
Founded in 1935
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Joe Suarez, MBA, CPA
SVP Finance/CFO
Karla Gabuardi
Sr. Talent Development Manager, NCCO, NCBSO
Recent News
2026-01-06
2025-10-14
2025-08-09
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