Develop high level business requirements for Digital Channels projects. Responsible for identifying new technology requirements, vendor evaluation and management in order to attain specific goals and functionalities that align with the overarching strategic vision of the channels team.

* Responsible for the development, strategic integration and implementation of all marketing plans for acquisition, activation, utilization and retention. * Create and implemente strategic initiatives to achieve growth goals using proactive and reactive tactics including segmentation, direct marketing campaigns, process improvements, and product offers. * Conduct competitive analysis to create pricing recommendations and partner with Retail Finance to secure approval for all Consumer and Small Business Credit Card marketing promotions.* Develop and launch white label consumer credit card products.* Manage various vendor relationships for external competitive analysis and direct marketing campaign implementation.* Consistently reach portfolio growth goals for both units and balances during a time of contraction in the overall industry through strategic initiatives focused on customer centricity and risk mitigation.

Responsible for quarterly loss forecasting for all Retail product portfolios.

* Subject matter expert for authorizations during TSYS II conversion.* Execute a risk based repricing program that aligned cardholders rates with their associated risk level while increasing overall profitability and minimizing risk.* Manage and audit risk criteria for all existing customer marketing campaigns. * Example ad-hoc analysis projects – Convenience and Statement Check risk criteria, Late Fee assessment, Default Pricing profitability and account performance, Risk Based Repricing program profitability.