Financial Strategy and Analysis Director

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.

About the role

This senior finance leader will serve as the primary finance partner to the Proprietary branded consumer and small business credit card segment within Payments. The role will provide strategic and financial leadership across the full credit card P&L, translating business performance, customer economics, market dynamics, and investment choices into clear recommendations that drive sustainable growth and attractive risk-adjusted returns. The leader will partner closely with Product, Marketing, Risk, Credit, Operations, Technology, and other enterprise stakeholders to shape portfolio strategy, improve performance, and maintain strong financial governance. The position requires deep credit card finance expertise, strong executive communication, and the ability to influence cross-functional decisions in a complex and rapidly evolving payments environment.

Responsibilities

• Lead finance strategy, planning, forecasting, and decision support for Proprietary consumer and small business credit card products.
• Own financial performance management across revenue, balances, net interest income, interchange, fees, rewards, marketing, credit losses, fraud, servicing, and operating expenses.
• Develop annual plans, rolling forecasts, long-range outlooks, and scenario analyses; identify key drivers, risks, opportunities, and management actions.
• Build and evaluate business cases for new products, product refreshes, rewards propositions, pricing changes, marketing offers, digital capabilities, and other strategic investments.
• Apply rigorous financial modeling to assess return on investment, net present value, payback, customer lifetime value, cohort economics, and risk-adjusted returns.
• Partner with Product, Marketing, and Distribution leaders to improve acquisition, activation, engagement, spend, revolving balances, retention, and relationship deepening.
• Partner with Risk and Credit leaders to balance growth and profitability with credit quality, loss expectations, underwriting strategy, and established risk appetite.
• Evaluate portfolio performance by product, customer segment, channel, geography, and vintage; recommend actions to improve growth, profitability, and capital efficiency.
• Establish measurement frameworks for strategic initiatives and test-and-learn activity, including clear baselines, attribution methods, performance targets, and post-implementation reviews.