Credit Card Profitability Modelling_BFS

Job Title

Senior Lead / Lead Analyst – Credit Card Profitability Modeling

Job Summary

We are seeking a highly analytical and technically strong Senior Lead / Lead Analyst with deep expertise in Credit Card Profitability Modeling and Banking Analytics. This role is primarily focused on designing, developing, enhancing, and maintaining profitability models that provide actionable insights into the financial performance of credit card portfolios.

The ideal candidate will have extensive experience building customer-level and portfolio-level profitability models, strong proficiency in SQL and Python, and a deep understanding of credit card economics, revenue streams, cost structures, and portfolio performance metrics. The role requires close collaboration with Finance, Product, Risk, and Business stakeholders to drive data-driven decision-making and portfolio optimization.

Roles & Responsibilities

• Design,      develop, and maintain end-to-end credit card profitability models.
• Build      customer-level, account-level, and portfolio-level profitability      frameworks to measure and forecast financial performance.
• Model      and analyze key profitability components including:
  • Interest       Income
  • Interchange       Revenue
  • Annual       and Service Fees
  • Rewards       and Loyalty Costs
  • Operational       Expenses
  • Credit       Losses and Charge-offs
• Develop      revenue attribution and cost allocation methodologies to accurately assess      customer and portfolio profitability.
• Develop      forecasting and scenario-analysis models to evaluate the impact of      business strategies, pricing changes, and portfolio shifts.
• Perform      driver-based profitability analysis to quantify revenue and margin impacts      across customer and portfolio segments.
• Build      scalable analytical solutions using SQL and Python for profitability      calculations, analysis, and reporting.
• Conduct      model validation, sensitivity analysis, and performance monitoring to      ensure model accuracy and stability.
• Partner      with Finance, Product, Risk, and Strategy teams to translate business      requirements into analytical and modeling solutions.
• Analyze      portfolio trends including spend behavior, revolving balances,      utilization, delinquency, and overall profitability.
• Present      model outputs, methodologies, assumptions, and business recommendations to      senior stakeholders.

Provide technical guidance and mentorship to junior analysts on profitability modeling methodologies and best practices.

Primary Skills

• Credit      Card Profitability Modeling
• Credit      Card Portfolio Analytics
• Credit      Card Portfolio Economics
• Financial      Modeling
• Revenue      & Cost Attribution Modeling
• Customer      Profitability Analysis
• Portfolio      Profitability Analytics
• Forecasting      & Scenario Analysis
• SQL      (Advanced)
• Python      (Advanced)
• Banking      & Financial Services Analytics
• Data      Analysis & Quantitative Modeling
• Profitability      Reporting & Insights
• Stakeholder      Management

Secondary Skills

• Regression      Modeling
• Statistical      Analysis
• Risk      Analytics
• Power      BI / Tableau
• ETL      Processes
• Data      Warehousing

Preferred Experience

• 8+      years of experience in Banking Analytics, Credit Card Analytics, or      Financial Services Analytics.
• 5+      years of hands-on experience in Credit Card Profitability Modeling.
• Strong      understanding of credit card revenue streams, portfolio economics, and      profitability drivers.
• Advanced      SQL and Python expertise for model development, data analysis, and      profitability calculations.
• Experience      developing customer-level and portfolio-level profitability frameworks.
• Experience      working with US credit card portfolios and banking clients preferred.
• Ability      to independently lead complex profitability modeling initiatives from      problem definition through implementation.
• Strong      communication skills with the ability to explain complex modeling concepts      and business impacts to stakeholders.

Education

Bachelor's or Master's degree in Statistics, Mathematics, Economics, Finance, Engineering, Computer Science, Data Science, or a related quantitative discipline.