Director, Risk Manager​/Analyst, Finance & Banking

Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day.

Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of Card Works Financial Group, Merrick Bank serves roughly five million card members and more than 100,000 merchant customers nationwide.

We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsor ships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses. Merrick Bank ranks among the top 20 FDIC®-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.

Merrick Bank Corporation

10705 South Jordan Gateway, South Jordan, Utah 84095. Work from home benefit provided. Worksites are unanticipated. Must live within reasonable commuting distance of Wilmington, Delaware.

Director

• Develop, design, and execute near-prime or non-prime portfolio credit strategies, including credit line increases, credit authorizations, and exposure reduction to optimize portfolio performance.
• Leverage expertise in risk-return optimization for credit strategies using advanced financial modeling including NPV, DCF, and ROI.
• Design and implement comprehensive risk management frameworks that align with regulatory standards and optimize portfolio performance.
• Analyze and optimize unsecured credit portfolios, with understanding of risk-reward tradeoffs, behavioral segmentation, and lifecycle dynamics unique to credit products.
• Develop credit strategies, using statistical and mathematical concepts including probability, statistical inference, regression, and machine learning.
• Work with large analytical datasets and utilize analytical tools and languages SAS, SQL, Python, and Power BI to perform strategy design, segmentation, optimization, simulation, and reporting.
• Collaborate cross-functionally with Marketing, Finance, Operations, and Technology teams to implement and govern analytics-driven strategies.
• Develop and execute structured test-and-learn frameworks to monitor and refine treatment effectiveness.
• Translate complex analytical findings into strategic recommendations for senior business stakeholders.
• Direct cross-functional testing to evaluate credit treatments across customer segments, driving insights that lead to the development and enhancement of portfolio credit strategies.
• Monitor portfolio trends and performance metrics to adjust credit strategies in response to macroeconomic shifts, competitive dynamics, and internal goals.
• Serve as a key stakeholder in governance forums, contributing to policy reviews, compliance assessments, and strategic planning for credit risk management.
• Maintain audit-ready documentation on strategy assumptions, treatment rationale, test design, and outcomes.
• Supervise analysts, managers, contractors, and third-party resources supporting analytics, campaign selection, and reporting functions.

Employee will be required to work from Merrick Bank’s Wilmington, Delaware office located at 1000 N West St., 11th Floor, Wilmington, Delaware 19801, 1-2 days per week. Work from home benefit provided. Worksites are unanticipated. Must live within reasonable commuting distance of Wilmington, Delaware.

Bachelor’s degree in Data Science, Mathematics, Statistics, or Economics.

Six (6) years of experience as a Business Analyst, Risk Manager, Statistician, Analytical Modeler, or similar occupation.

Employer will accept in lieu of a Bachelor's degree and six (6) years of experience a Master’s degree in Data Science, Mathematics, Statistics, or Economics and four (4) years of experience as a Business Analyst, Risk Manager, Statistician, Analytical Modeler, or similar occupation.