PCS Financial Strategy and Analysis Director

Location: Earth City

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

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.

Key Responsibilities

* 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 of growth initiatives.

* 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, including earn, burn, breakage/expiration, adjustments, and transfers across products/portfolios; ensure 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 strong stakeholder management.

Basic Qualifications

* 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.

Preferred Skills/Experience

* Considerable knowledge of accounting/finance principles.

* Extensive experience in financial modeling and valuation techniques including discounted CF, 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.

Location Requirements

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

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

* Healthcare (medical, dental, vision)

* 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 (from two to five weeks depending on salary grade and tenure)

* Up to 11 paid holiday opportunities

* Adoption assistance

* Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal…