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What We Do

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Who We Are

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans.  We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank.  Merrick operates three main business lines:  credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

The Senior Analyst (Collections Strategy & Analytics) is a vital position, specifically driving initiatives focused on improving return on investment through dialing and digital strategies and payment programs.  This role leverages advanced quantitative methods to assess the effectiveness of current loss mitigation strategies and support the development of new initiatives. It involves close collaboration with operations to optimize Collections programs, manage reporting, and enhance dialing, digital, and payment strategies. Additionally, the role oversees compliance with audit and regulatory standards, while documenting and improving key processes and performance metrics within the collections function.

Essential Functions:

• Applies advanced quantitative techniques to assess the effectiveness of current loss mitigation strategies, identifying opportunities for improvement and supporting implementation of new initiatives that drive recovery performance and operational efficiency.
• Collaborates closely with key functional areas, especially operations, to design, enhance, and optimize Collections programs, ensuring alignment with business goals and customer treatment strategies.
• Leads the execution of key operational priorities, including:
  • Monitoring and refining dialing and digital strategies and payment programs
  • Developing, maintaining, and analyzing Collections reporting to evaluate program performance, support strategic planning, and drive continuous improvement. 
• Creates and manages reporting infrastructure to track performance across Collections, ensuring visibility into key metrics, trends, and areas for intervention
• Maintains detailed and accurate documentation of Collections processes and procedures consistent with an audited environment, responsible for overseeing functional compliance with Bank policies, audit controls, and regulatory requirements.
• Understands and documents the current state of the Collections business, including key metrics, workflows, and systems, with a focus on transparency, performance optimization, and cross-functional alignment.

Compliance with Laws & Regulations: 

• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding & complying with laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Education and Experience:

• Bachelor’s degree in quantitative discipline such as, Math, Computer Science, Physics, Economics, Statistics, Business Intelligence, or Financial Engineering is required.
• Master’s or advanced degree is preferred.
• Three (3) years or more of risk analytics, statistics or equivalent experience in Credit Card Industry or Consumer Finance is required.

Summary of Qualifications:

• Requires a firm background and experience in analytical construct & ability to drive business value through data driven strategy & execution.
• Strong data programming skills, as demonstrated by two or more years of experience
• Ability to synthesize insights across different sources into a comprehensive and holistic strategy.
• Self-motivated and organized; strong collaboration and teamwork skills; and a problem-solver oriented toward achieving results.
• Ability to work across multiple stakeholders and effectively prioritize tasks.
• Excellent problem solving, attention to detail and the ability to work independently.

The salary range for this position, if located in NY Metro/NY State is $109,718 - $121,909 annually. However, please note that the salary range will vary for other geographic areas.

Work Environment/Physical Demands: Light

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. 

This is largely a sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets and bend or stand on a stool as necessary.

Security Responsibilities - General:

This classification requires heightened security awareness to safeguard the Bank's data, including customer non-public personal information.  This security level means that the job includes exposure to all categories of Bank data, including customer non-public personal information.

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Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program 
• Benefits Package -Medical, Dental, and Vision (plus much more) 
• 401(k) Plan with Company Match 
• Short- & Long-Term Disability 
• Wellness Programs 
• Group Life and AD&D Insurance 
• Paid Vacation, Sick Days and bank Holidays 
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.  Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic.  We will conduct a thorough background check for all hires in compliance with applicable.