PCS Financial Strategy and Analysis Director

Job Overview

This leader is responsible for shaping and executing growth strategies for the credit card business, partnering with Product, Marketing, Risk, Operations, and Technology to drive profitable acquisition, spend, retention, and portfolio value. The role owns key financial analyses and decision support across the credit card P&L, including rewards liability, network management, and customer growth and penetration analytics.

• Own finance strategy and decision support for credit card growth initiatives across products, acquisition, activation, engagement, and capex investment.
• Develop and maintain business cases for new products, features, rewards, offers, and partnerships; quantify ROI, NPV, payback, and customer value.
• Partner with product, risk, and marketing teams to optimize portfolio profitability and business growth.
• Develop and oversee portfolio analytics and performance reporting: KPIs, cohort economics, and variance analyses; communicate insights to senior leadership.
• Build and govern measurement frameworks for growth initiatives and ensure regular tracking updates to demonstrate progress.
• Develop and manage key performance metrics, dashboards, and management reporting.
• Drive profitability optimization across products, channels, and partnerships.
• Build and maintain portfolio forecasts using advanced financial modeling tools.
• Partner with key PCS stakeholders to execute portfolio growth initiatives.
• Perform complex financial analyses across portfolios and business units; produce clear, actionable insights to explain performance variances and trends.
• Assess portfolio risks and opportunities and recommend data‑driven actions.
• Maintain the methodology for calculating rewards liabilities, ensuring alignment with accounting policy and partner contract terms.
• Establish strong data governance and controls for financial reporting, ensuring accuracy, auditability, and compliance with applicable regulations and accounting policies.
• Lead, mentor, and develop a high‑performing team (FP&A, analytics, or finance business partners), fostering a culture of ownership, curiosity, and stakeholder management.

• Bachelor's degree in accounting or finance, or equivalent work experience.
• 15 or more years of relevant financial management experience.
• Eight or more years of management experience.

• Considerable knowledge of accounting/finance principles.
• Extensive experience in financial modeling and valuation techniques including discounted cash flow, NPV, and IRR.
• Payments and credit card business knowledge and experience.
• Expert planning and analytical skills.
• Excellent communication skills.
• Proven leadership experience, including hiring, coaching, and management.
• Ability to work well under tight deadlines and manage multiple priorities.
• Experience in financial data systems (Essbase).
• Experience supporting card product strategy, rewards design, or marketing optimization (offer economics, channel mix, and attribution).
• Excellent executive communication skills with ability to simplify complex trade‑offs into clear recommendations.

This role requires working from a U.S. Bank location three (3) or more days per week.

• Health, dental, vision insurance
• Basic term and optional term life insurance
• Short‑term and long‑term disability; pregnancy disability and parental leave
• 401(k) and employer‑funded retirement plan
• Paid vacation (2–5 weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accrual (1 hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law)

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

U.S. Bank participates in the U.S. Department of Homeland Security E‑Verify program in all facilities located in the United States and certain U.S. territories. The E‑Verify program is an Internet‑based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.