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Software engineer
- Location
- San Francisco
- Type
- Full time
- Compensation
- $150k-$200k
- Posted
- 2 days ago
Join a team building useful software. Work closely with engineering and design to turn new ideas into products.
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Head of Credit Card
- Type
- Full time
- Posted
- 10H AGO
About the role
Position Summary
The Head of Credit Card is a leadership role responsible for defining, commercializing, and executing the strategy for First Horizon’s credit card and payments business. The role owns strategy, P&L, and execution across issuing, servicing, risk, and client experience, while advancing our broader payments capabilities. This leader will position the credit card portfolio as a vital engine for profitable and risk resilient credit card growth. By creating a best-in-class card experience, this role will systematically deepen client cross-sell, lock in highly sticky ecosystem relationships, and catalyze incremental low-cost deposit growth through integrated rewards, auto-pay dynamics, and everyday spend visibility.
Key Responsibilities
- Design and execute a multi‑year strategy for credit cards as the anchor of the payments business; define segment plays for consumer and small business.
- Own full P&L for cards and payments: interchange revenue, interest income, rewards expense, funding costs, credit losses, operating expense, and partner incentives.
- Establish and manage OKRs/KPIs across the lifecycle: acquisition, approval/line assignment, activation, spend per active, revolve/interest yield, retention, delinquency/NCL, rewards liability, and cost-to-serve.
- Lead end-to-end product and lifecycle management for issuing: underwriting strategy in partnership with Credit Risk, line management, rewards/loyalty design, digital wallet provisioning/tokenization, and servicing/disputes.
- Build compelling value propositions, rewards constructs, and offers that deepen client primacy and drive checking/savings engagement via cross-sell and integrated benefits.
- Optimize portfolio health through testing and analytics (e.g., offers, APR/fee levers, balance transfer, installment/plan features, line increase strategies).
- Modernize platform architecture in partnership with Technology and Operations, including authorization decisioning, tokenization, digital provisioning, ledger integrity, and reconciliation.
- Ensure rigorous third‑party risk management, change management, and audit readiness in collaboration with Procurement, Vendor Risk, and Compliance.
Minimum Qualifications
- Education: Bachelor’s degree in business, Finance, Computer Science, Data/Analytics, or related field; MBA or advanced degree preferred.
- Experience: 10+ years in financial services product management or fintech, including 5+ years leading teams; direct experience with credit card issuing required.
- Credit card economics (interchange, revolve yield, rewards liability), underwriting/line management partnership, chargebacks/disputes, fraud strategy, and processor/network operations.
- Working knowledge of payments rails (RTP/FedNow, ACH, wires, bill pay) and digital wallet/tokenization.
- Technical and Analytical Acumen: Familiarity with API‑driven architectures, real‑time decisioning, tokenization, data warehouses, and experimentation frameworks; strong proficiency with portfolio and unit‑economics analysis.
- Regulatory and Risk: Demonstrated ability to operate in a highly regulated environment and to build effective first‑line controls in partnership with second/third lines.
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