Job Purpose & Scope Responsible for supporting the design, development, maintenance, and growth of a new credit card product through financial modeling and forecasting turning data into executable insights that drive and define business strategy. Essential Job Functions + Supports the end-to-end design and development of a new credit card product suite, including the creation of the business plan, financial projections and forecasts, and helps drive all aspects of operational readiness to ensure a successful and timely product launch. + Works with internal and external partners to evaluate client/market research to finalize promotional offers, value proposition, product features and target segments, including potential market expansion plans to evolve and enhance the product suite over time. + Owns all aspects of product level P&L, determining minimum viable product (MVP) at launch and understanding key drivers of profitability throughout the product life cycle. + Develops and implements data-driven business strategies to balance risk and maximize returns for the credit card product. + Offers strategic guidance and thought leadership across key areas, including but not limited to: + Product profitability; drivers and product-level P&L analysis, + Customer engagement, loyalty, cross-selling opportunities, + Credit and operational risk + Manages relationships with internal and external key stakeholders, collaborating across product, marketing, technology, operations, model development, and risk management to ensure successful financial execution of business strategies. + May be required to effectively hire, develop, coach, recognize, lead, and retain top talent capable of high-level performance in their respective positions fostering a culture of operational excellence and risk awareness. Knowledge, Skills & Abilities + Expert knowledge of credit products specifically credit cards and credit delivery processes. + Ability to utilize advanced data analysis to transform complex data into clear, strategic recommendations that support business growth and efficiency. + Ability to effectively deliver concise, impactful presentations and strategic narratives to cross-functional partners, senior leadership, and executive management. + Ability to demonstrate results driven, innovative, and strategic leadership skills. + Knowledge of federal banking rules, laws, and regulations pertaining to credit cards, as well as knowledge of credit, liquidity, and market risk including regulatory guidelines and requirements. + Demonstrated ability to lead strategic initiatives from vision to execution by leveraging financial insights and data analytics to drive measurable business outcomes. + Ability to communicate effectively both verbally and in writing. + Ability to demonstrate effective interpersonal skills to build collaborative work relationships and create a team environment. + Ability to utilize discretion and sound judgment in decision-making. + Ability to champion a proactive risk culture that emphasizes anticipation and prevention over reaction. + Ability to manage multiple tasks with exacting deadlines while demonstrating flexibility in a continually changing environment. + Ability to demonstrate effective organization, critical thinking, analytical, and problem-solving skills. + Ability to maintain confidentiality. + Ability to travel for work, as needed. Basic Qualifications + Bachelor’s degree in business, economics, accounting, finance, data analytics, or relevant field required, master’s degree preferred. + 8+ years’ analytics and consumer credit experience required. + 5+ years’ proven record in managing, leading, and coaching professionals required. + Proven experience working with credit bureaus and other external partners such as networks, industry benchmark companies, vendors specializing in fraud tools and more. Job Expectations Job Expectations: O perate customary equipment and technology used in a business environment, with or without accommodation. Note: This description is not an exhaustive list of all job functions, duties, skills, and job standards required. Other job functions, duties, skills, and standards may be added. Management reserves the right to add or change the job requirements at any time. #DNP EEO Statement Bank OZK is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.