📌 Core Information
🔹 Job Title: Consumer Card Acquisition Digital Offers & Targeting Strategy Lead
🔹 Company: GHR
🔹 Location: Newark, New York, Boston, Charlotte, Jacksonville
🔹 Job Type: Full-Time
🔹 Category: Financial Services
🔹 Date Posted: April 29, 2025
🔹 Experience Level: 5-10 years
🔹 Remote Status: Hybrid (New York, United States)
🚀 Job Overview
Key aspects of this role include:
- Leading a team to develop strategies and drive analytics to understand portfolio risk and optimize operational performance
- Setting strategic priorities, identifying trends, and maximizing risk versus return for the business unit
- Collaborating with marketing, product, finance, underwriting, and credit risk teams to strengthen sales performance and program profitability
- Evaluating channel performance and developing new targeting tools to improve financial returns and unlock growth opportunities
ASSUMPTION: This role requires a strategic mindset, strong analytical skills, and the ability to work effectively across multiple teams and functions.
📋 Key Responsibilities
✅ Establishes department-wide strategies and oversees portfolio trend analysis, forecasting, and risk/control performance
✅ Leads innovation by identifying and championing large-scale initiatives to improve risk management, profitability, and control oversight of risks for the business unit
✅ Identifies business trends based on economic and portfolio conditions and communicates findings to senior management
✅ Coaches employees on best practices for structuring complex problems, performing analysis, and communicating results and implications
✅ Builds and maintains strategic relationships with peers and counterparts across product, technology, and business control functions
✅ Responsible for achieving unit sales and loan growth objectives while maximizing financial returns and mitigating risk
✅ Inform channel-level client eligibility, targeting, and offer strategies to maximize sales funnel performance
✅ Partner with channel teammates to drive innovation, new marketing techniques, and explore third-party testing opportunities to expand client reach and program performance
✅ Partner with Quantitative Analytics to develop and refine end-to-end digital sales funnel reporting for card acquisition; develop a deep understanding of the client journey and develop breakthrough solutions to improve program performance
✅ Responsible for channel sales financial performance and marketing investment decisioning; ensure risk and return metrics are in-line with financial expectations
ASSUMPTION: This role requires a strong understanding of digital sales channels, data analysis, and strategic thinking to drive results and improve performance.
🎯 Required Qualifications
Education: Bachelor's degree in Business, Data Analytics, Computer Science, or a related field (Master's preferred)
Experience: 5-10 years of experience in digital sales channels with a track record of optimizing the client journey to maximize program performance
Required Skills:
- Proficient and demonstrated knowledge of MS Office (Excel, Word, PowerPoint)
- Experience developing and executing business strategy & roadmap planning
- Strong strategic thinking skills with a track record of breaking complex problems down and developing a clear strategy / action plan
- Ability to work across functional lines and organizational levels to drive results
- Innovative mindset with the ability to challenge the status quo
- Ability to proactively identify, analyze, and improve upon existing processes for optimization
- Excellent verbal and written communication; comfortable packaging and presenting complex information and insights in a clear and compelling manner to strategic partners and leaders
- Intellectually curious and proactively identifies and leads research to support go-to-market strategies and tactics, including the optimization of marketing offers, channels, and pricing
Preferred Skills:
- Proficient in SAS/SQL with hands-on experience querying and analyzing large data sets
- Experience working with Quantitative Analytics to inform model and/or targeting tools
- Experience working with third-party search and affiliates
- Profit & Loss (P&L) Management
- Strategy Performance Management & Decision Strategy Governance (DSG)
ASSUMPTION: Candidates with a strong background in digital sales channels, data analysis, and strategic thinking will be most successful in this role.
💰 Compensation & Benefits
Salary Range: $126,000.00 - $225,000.00 annualized salary, offers to be determined based on experience, education, and skill set.
Benefits:
- Paid Time Off
- Industry-Leading Benefits
- Resources and Support
Working Hours: 40 hours per week
ASSUMPTION: The salary range provided is an estimate based on industry standards for similar roles and experience levels. Actual offers may vary based on the candidate's qualifications and the company's discretion.
📌 Applicant Insights
🔍 Company Context
Industry: Financial Services
Company Size: 51-200 employees
Founded: Not specified
Company Description:
- GHR is a public company specializing in software development
- They focus on driving responsible growth and delivering for clients, teammates, communities, and shareholders
Company Specialties:
Company Website: https://ghr.wd1.myworkdayjobs.com/
ASSUMPTION: GHR is a mid-sized company focused on delivering value to its clients and stakeholders through innovative software solutions.
📊 Role Analysis
Career Level: Mid-level to senior
Reporting Structure: This role leads a team and collaborates with various departments, including marketing, product, finance, underwriting, and credit risk
Work Arrangement: Hybrid (New York, United States) with an in-office culture and specific requirements for office-based attendance
Growth Opportunities:
- Potential career progression within the Consumer Card Acquisition team or related departments
- Opportunities to lead larger teams or take on more strategic roles as the business grows
ASSUMPTION: This role offers growth opportunities based on individual performance, business needs, and the candidate's long-term career goals.
🌍 Location & Work Environment
Office Type: Corporate office
Office Location(s): Newark, New York, Boston, Charlotte, Jacksonville
Geographic Context:
- Newark: A city in New Jersey with a diverse population and a strong financial industry
- New York: A major global city with a vibrant financial sector and numerous cultural attractions
- Boston: A historic city in Massachusetts known for its education, healthcare, and technology industries
- Charlotte: A city in North Carolina with a growing financial sector and a strong job market
- Jacksonville: A city in Florida with a diverse economy and a growing job market
Work Schedule: Monday-Friday, with specific requirements for office-based attendance
ASSUMPTION: The work environment is dynamic, fast-paced, and collaborative, with a focus on driving results and continuous improvement.
💼 Interview & Application Insights
Typical Process:
- Online application submission
- Phone or video screen with the hiring manager
- In-person or virtual interview with the team
- Final interview with senior leadership
Key Assessment Areas:
- Strategic thinking and problem-solving skills
- Data analysis and interpretation abilities
- Communication and presentation skills
- Cultural fit and alignment with company values
Application Tips:
- Tailor your resume and cover letter to highlight relevant experience and skills for this role
- Prepare examples of your strategic thinking, data analysis, and problem-solving skills
- Research GHR and the Consumer Card Acquisition team to demonstrate your interest and understanding of the business
ATS Keywords: Digital sales channels, data analysis, strategic thinking, business strategy, risk management, portfolio optimization, team leadership, cross-functional collaboration
ASSUMPTION: The interview process is designed to assess the candidate's strategic thinking, data analysis, communication, and cultural fit, as well as their understanding of the role and the company.
🛠️ Tools & Technologies
- MS Office (Excel, Word, PowerPoint)
- SAS/SQL (preferred)
- Data mining tools
- Business intelligence tools
ASSUMPTION: The required tools and technologies may vary depending on the specific needs of the role and the candidate's skillset.
👔 Cultural Fit Considerations
Company Values:
- Driving Responsible Growth
- Delivering for Clients, Teammates, Communities, and Shareholders
- Being a Great Place to Work
Work Style:
- Collaborative and team-oriented
- Data-driven and analytical
- Innovative and proactive
Self-Assessment Questions:
- How do you approach strategic planning and execution in a dynamic environment?
- Can you provide an example of how you've used data to drive business decisions and improve performance?
- How do you balance the need for innovation with the requirement to manage risk effectively?
ASSUMPTION: GHR values candidates who are strategic thinkers, data-driven, innovative, and collaborative, with a strong commitment to delivering results and driving responsible growth.
⚠️ Potential Challenges
- Managing a team in a dynamic and fast-paced environment
- Balancing the need for innovation with the requirement to manage risk effectively
- Collaborating effectively with multiple departments and stakeholders
- Adapting to changes in the market and business priorities
ASSUMPTION: These challenges require strong leadership, strategic thinking, and adaptability to succeed in this role.
📈 Similar Roles Comparison
- This role is similar to a Digital Marketing Manager or a Data-Driven Marketing Strategist, but with a stronger focus on risk management and portfolio optimization
- Unlike other roles in the industry, this position requires a unique blend of strategic thinking, data analysis, and risk management skills
- Career progression in this role may lead to senior leadership positions within the Consumer Card Acquisition team or related departments
ASSUMPTION: This role is unique within the industry and requires a specific skillset and mindset to succeed.
📝 Sample Projects
- Developing a new targeting tool to improve the efficiency of digital marketing campaigns
- Analyzing customer data to identify trends and optimize portfolio performance
- Collaborating with cross-functional teams to launch a new product or service offering
ASSUMPTION: These sample projects illustrate the strategic, data-driven, and collaborative nature of the role.
❓ Key Questions to Ask During Interview
- How does this role fit into the overall strategy of the Consumer Card Acquisition team and the company?
- What are the biggest challenges facing the team currently, and how can this role help address them?
- How does the company support the professional development and growth of its employees?
- What is the company's approach to innovation and risk management in the digital sales channels?
- How does the company measure the success of this role, and what key performance indicators (KPIs) will I be responsible for?
ASSUMPTION: These questions demonstrate the candidate's interest in the role, the team, and the company, as well as their understanding of the strategic importance of the position.
📌 Next Steps for Applicants
To apply for this position:
- Submit your application through this link
- Tailor your resume and cover letter to highlight your relevant experience and skills for this role
- Prepare examples of your strategic thinking, data analysis, and problem-solving skills
- Research GHR and the Consumer Card Acquisition team to demonstrate your interest and understanding of the business
- Follow up with the hiring manager one week after submitting your application to express your continued interest in the role
⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.
