Manager, Consumer Lending Analytics

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 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.

POSITION SUMMARY:

The Manager of Consumer Lending Analytics is a high-visibility role that will contribute to driving growth and improving risk-adjusted returns for Merrick Bank's Recreational and Flow Lending businesses. Merrick's Recreational Lending business offers secured installment loans through our dealer partners for RVs, boats, trailers, and more. Our Flow Lending business purchases consumer loan assets originated and serviced by other lenders. This role will drive improvements across credit strategy, verification strategy, pricing, and valuations. The Manager will work closely with cross-functional teams – including business line partners, finance, data science, compliance, and second line credit risk – to launch new initiatives that align with business priorities and needs of both our partners and end customers.

ESSENTIAL FUNCTIONS:

• 
  Credit Strategy: Optimizes credit policies such as approve/decline criteria, policy limits, verification requirements, and risk model implementations.

• Performance Monitoring and Valuations: Develops, monitors, and interprets key performance indicators (KPIs) and financial metrics to effectively manage the P&L, providing actionable insights that support strategic decision-making.

• Pricing & Product Optimization: Conducts comprehensive, data-driven analyses and market research to identify opportunities for product enhancements, pricing adjustments, and partner/customer experience improvements that increase profitability and market positioning.

• Verification Strategy: Evaluates internal policies and external solutions to improve customer verifications such as income and employment.

• Collaborates Cross-Functionally: Partners closely with internal stakeholders —including business line partners, finance, data science, compliance, and second line credit risk — to gain buy-in and ensure successful implementation of strategic initiatives.

Compliance with Laws and 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.

Additional Responsibilities

• Perform other duties as assigned by senior management.
• Maintain ethical standards, judgment, and confidentiality in all matters.

EDUCATION AND EXPERIENCE:

• Bachelor's degree in a quantitative field (e.g., Business, Economics, Finance, Statistics, Engineering, Math, or Sciences) is required.
• Three (3) years of experience using data-driven analysis to inform business or product strategy.

SUMMARY OF QUALIFICATIONS:

• Strong communication skills with the ability to present to executive leadership.
• Proficiency with SQL or a scripting language (e.g., Python, R).
• Comfort with ambiguity and working hands-on with large analytical datasets to perform complex analyses.
• Proficiency with Microsoft Office tools such as Excel and PowerPoint.
• Proven ability to work across cross-functional teams.
• Previous experience in consumer financial services or fintech industries, particularly with indirect and/or secured lending products.
• Experience with credit policy and/or pricing strategies.
• High curiosity and learning agility, with a strong initiative and willingness to roll up one’s sleeves.
• Familiarity with consumer financial services regulations.

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

This role will be fully remote. Or it can be performed as a hybrid role for one of the following locations: South Jordan, UT or Wilmington, DE.

#INDHP1

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 laws.