Senior Business Analytics Analyst
CardWorks, Inc., Wilmington, North Carolina, United States, 28412
*Join our team - and take the next step in achieving a fulfilling career!***What We Do**At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.**Who We Are**CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.Merrick Bank is an FDIC-insured Utah Industrial Loan Bank.
Merrick operates three main business lines:
credit cards, recreational lending, and merchant services.Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.**Essential Functions:****Compliance with Laws & Regulations:*** Responsible for complying with all of the Bank’s internal control policies and procedures.* Responsible for understanding and complying with all laws and regulations to which the Bank is subject.* Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.**Education and Experience:*** Bachelor’s degree in an analytical discipline such as math, finance, statistics, computer science, economics, engineering, or a hard science is required.* Higher level education such as a Master's degree, or certifications in a science, technology, engineering, or math field is desirable.* Typically requires five (5) years of credit card experience in a strategic, quantitative problem-solving role.**Summary of Qualifications:*** Banking, financial services, and/or analytical data experience are highly preferred.* Proven ability to work with large data sets with the ability to translate data into actionable insights. SQL is a requirement and Python, R, Shiny, SAS, Tableau or other data analysis tools are also highly preferred.* Analytical rigor and autonomous problem-solving skills with the ability to prioritize workload and balance multiple initiatives and efforts.* Self-starter with inquisitive spirit, adept at working as part of a team of internal and external partners across business groups* Passion for bringing ideas to life and take ownership for strategy and execution* Excellent problem solving, communication, verbal/written presentation skills, attention to detail and the ability to work independently.**Work Environment/Physical Demands: Light**The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is largely a sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets and bend or stand on a stool as necessary.
**Security Responsibilities - General:**This classification requires heightened security awareness to safeguard the Bank's data, including customer non-public personal information.
This security level means that the job includes exposure to all categories of Bank data, including customer non-public personal information.**General Disclosure:**The above statements reflect the general information considered necessary to describe the principal functions of the job and should not be considered as a detailed description of all work requirements that may be inherent to the position. In addition, the incumbent may be called upon to personally handle projects or assignments not usually related to the position’s day-to-day activities. Understand and comply with laws and regulations that are applicable to my job function. Understand and comply with company policies and procedures that are applicable to my job function.#INDLP1**Our Employee Value Proposition*** Competitive Pay, including a Bonus Target or Variable Pay Incentive Program* Benefits Package -Medical, Dental, and Vision (plus much more)* 401(k) Plan with Company Match* Short- & Long-Term Disability* Wellness Programs* Group Life and AD&D Insurance* Paid Vacation, Sick Days and bank Holidays* Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition*We offer a total rewards package* *comprised* *of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.**Offered rates of pay* *are* *determined* *based on job-related knowledge, relevant experience, skills, certifications, and geographic location.**We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran* *status* *or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable**.** Use marketing segmentation and targeting models for Direct Mail campaigns and online marketing.* Work with internal and external partners to understand campaigns’ details and prepare code and data for a campaign execution.* Maintain SQL code to pull, score, segment, aggregate, and produce acquisition campaigns based on Credit Bureau data.* Manage marketing data and integration with external data and APIs.* Manage strategy and implementation/audit documentation with other departments and with outside vendors.* Track and evaluate campaign results, identify business opportunities, and make recommendations for future campaigns.* Support development of hypotheses for marketing/targeting tests and analyses of test results. Summarize and communicate insights.* Contribute to processes and controls to ensure quality and compliant execution of Banks’s marketing campaigns.At Merrick Bank, we specialize in credit programs that assist people looking to build or rebuild their credit.Founded in 1997, Merrick Bank is FDIC insured and recognized as a top 20 credit card issuer in the U.S. In total, we proudly serve nearly 3 4 million cardholders and have extended nearly $6 billion in credit.We also provide consumer finance options to marine, RV, powersports, horse and utility trailer dealers across the country to help customers find new opportunities to get what they need for recreation.As a top 12 Merchant Acquirer, Merrick Bank’s merchant business provides support to over 150,000 merchants through approximately 40 independent sales organizations, with over $60B in annual card purchase volume.We offer a wide range of High-Yield Certificates of Deposit with competitive rates and FDIC insurance up to the maximum allowed by law – as Merrick Bank is extremely well capitalized and poised for continued growth. #J-18808-Ljbffr
Merrick operates three main business lines:
credit cards, recreational lending, and merchant services.Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.**Essential Functions:****Compliance with Laws & Regulations:*** Responsible for complying with all of the Bank’s internal control policies and procedures.* Responsible for understanding and complying with all laws and regulations to which the Bank is subject.* Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.**Education and Experience:*** Bachelor’s degree in an analytical discipline such as math, finance, statistics, computer science, economics, engineering, or a hard science is required.* Higher level education such as a Master's degree, or certifications in a science, technology, engineering, or math field is desirable.* Typically requires five (5) years of credit card experience in a strategic, quantitative problem-solving role.**Summary of Qualifications:*** Banking, financial services, and/or analytical data experience are highly preferred.* Proven ability to work with large data sets with the ability to translate data into actionable insights. SQL is a requirement and Python, R, Shiny, SAS, Tableau or other data analysis tools are also highly preferred.* Analytical rigor and autonomous problem-solving skills with the ability to prioritize workload and balance multiple initiatives and efforts.* Self-starter with inquisitive spirit, adept at working as part of a team of internal and external partners across business groups* Passion for bringing ideas to life and take ownership for strategy and execution* Excellent problem solving, communication, verbal/written presentation skills, attention to detail and the ability to work independently.**Work Environment/Physical Demands: Light**The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is largely a sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets and bend or stand on a stool as necessary.
**Security Responsibilities - General:**This classification requires heightened security awareness to safeguard the Bank's data, including customer non-public personal information.
This security level means that the job includes exposure to all categories of Bank data, including customer non-public personal information.**General Disclosure:**The above statements reflect the general information considered necessary to describe the principal functions of the job and should not be considered as a detailed description of all work requirements that may be inherent to the position. In addition, the incumbent may be called upon to personally handle projects or assignments not usually related to the position’s day-to-day activities. Understand and comply with laws and regulations that are applicable to my job function. Understand and comply with company policies and procedures that are applicable to my job function.#INDLP1**Our Employee Value Proposition*** Competitive Pay, including a Bonus Target or Variable Pay Incentive Program* Benefits Package -Medical, Dental, and Vision (plus much more)* 401(k) Plan with Company Match* Short- & Long-Term Disability* Wellness Programs* Group Life and AD&D Insurance* Paid Vacation, Sick Days and bank Holidays* Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition*We offer a total rewards package* *comprised* *of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.**Offered rates of pay* *are* *determined* *based on job-related knowledge, relevant experience, skills, certifications, and geographic location.**We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran* *status* *or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable**.** Use marketing segmentation and targeting models for Direct Mail campaigns and online marketing.* Work with internal and external partners to understand campaigns’ details and prepare code and data for a campaign execution.* Maintain SQL code to pull, score, segment, aggregate, and produce acquisition campaigns based on Credit Bureau data.* Manage marketing data and integration with external data and APIs.* Manage strategy and implementation/audit documentation with other departments and with outside vendors.* Track and evaluate campaign results, identify business opportunities, and make recommendations for future campaigns.* Support development of hypotheses for marketing/targeting tests and analyses of test results. Summarize and communicate insights.* Contribute to processes and controls to ensure quality and compliant execution of Banks’s marketing campaigns.At Merrick Bank, we specialize in credit programs that assist people looking to build or rebuild their credit.Founded in 1997, Merrick Bank is FDIC insured and recognized as a top 20 credit card issuer in the U.S. In total, we proudly serve nearly 3 4 million cardholders and have extended nearly $6 billion in credit.We also provide consumer finance options to marine, RV, powersports, horse and utility trailer dealers across the country to help customers find new opportunities to get what they need for recreation.As a top 12 Merchant Acquirer, Merrick Bank’s merchant business provides support to over 150,000 merchants through approximately 40 independent sales organizations, with over $60B in annual card purchase volume.We offer a wide range of High-Yield Certificates of Deposit with competitive rates and FDIC insurance up to the maximum allowed by law – as Merrick Bank is extremely well capitalized and poised for continued growth. #J-18808-Ljbffr