Credit Card Portfolio Administrator bei Freedom Credit Union

Description

Primary Summary:

Accountable for the configuration, maintenance, and operation of the credit union’s credit card program including overseeing the underwriting of card applications, managing the card system (PSCU), online application interface program, the enterprise wide rewards program and integration with core systems, such as Insight, VISA and PSCU. Recommends and researches enhancements to the systems key components including coordinating program upgrades and periodic system enhancements. Insures that the card program and rewards program are monitored and managed to meet organizational needs and financial projections.

Essential Functions/Position Responsibilities:

• Manages all aspects of the in-house credit card program and enterprise wide rewards program, including rate and reward recommendations, fraud oversight, collections oversight, compliance oversight and working with marketing on program collateral and promotion materials.
• Performs scheduled third party system upgrades. Performs routine system monitoring to ensure service standards are maintained. Adheres to IT policy standards for use, operations and data for all credit card systems and third party interfaces with the core operating system – Insight.
• Assists the company and staff personnel with credit card programs and systems. Responds to member and staff personnel request for technical assistance by phone and in person resulting in quality service for the member.
• Modifies software as needed and works with tech support vendors and IT staff on software installations. Diagnoses hardware, software, and operator problems, takes remedial actions and recommends changes for all credit card interface systems.
• Develops, recommends, and implements new card and reward features, enhancements and updates for member service delivery channels: website, home banking, mobile, card systems and telephone banking including future enhancements to member facing systems.
• Maintain system upgrade records for audit and compliance reviews.
• Works with Training Officer to train staff accordingly on the credit card program and rewards programs. Works with other departments to make sure procedures and documentation is accurate.
• Underwrites card applications that are outside the scope of the auto decisioning model, prepares reports for upper management on program profitability, risk profile, rewards program usage and member engagement.
• Special Projects may be required and other duties assigned.

Requirements

Experience

Five to ten years of similar or related experience, including time spent in preparatory positions.

Typically requires 10+ years’ experience in Deposit/Loan Operations and Core System experience (COCC experience preferred) and 5 years’ experience with Card Systems required.

Education/Certifications/Licenses

A college degree preferred but experience may substitute.

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with members, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

Other Skills

Will be required to work outside of scheduled hours to respond to technology issues.

Competencies:

Member / Stakeholder Focus: Builds and maintains effective relationships with credit staff, lenders and members. Identifies member/stakeholder’s needs and expectations. Listens carefully in order to see issue from their point of view. Offers practical solutions or recommendations focused on achieving the member/stakeholder’s expectations. 

Adaptability: Learns and adapts quickly in new situations. Possesses a flexible style, the ability to change and adapt to fit circumstances. Adjusts with ease, resulting in successful performance.

Personal Accountability: Accepts responsibility for own actions, including failure. Embraces experiences as learning opportunities and does not blame others.

Collaboration: Values others and different perspectives. Actively seeks and enlists participation of other departments, functional areas and individuals in order to achieve goals. Promotes the common good, extends self beyond personal self-interest; engages in appreciative inquiry and a spirit of caring, not finger-pointing or blaming.

Effective Communication: Puts others at ease by listening. Allows adequate time for interactions, gives undivided attention to speaker, demonstrates non-verbal cues that show interest, keeps an open mind and concentrates on the speaker’s message. Responds with information or questions, as appropriate. Remains calm, focused and polite, even during stressful conversations.  

Professionalism: Consistently conducts self in a manner that is business appropriate. Manner of speech, attire and interaction with others conveys competency, confidence, credibility, respect and efficiency to others. Is polite, courteous, tactful, responsible, and well-groomed. Establishes and maintains professional boundaries in all work related relationships. 

Problem Solving: Gathers and analyzes information, identifies goals, explores and selects solutions, implements an action plan and evaluates results to ensure identified goals have been achieved.

Process & Time Management: Uses the necessary or established steps to ensure successful execution of tasks. Allocates time efficiently to the most important task. Completes work in a timely manner and looks for opportunities to improve existing processes, procedures and systems.

Physical Demands: 

Ability to sit and/or stand for long periods of time; reach with hands and arms.

Sustains repetitive motions while using computer keyboard. Close vision for the computer screen is also required.

Bends, stoops, kneels, pushes and pulls while filing or moving supplies.

Occasionally lift and/or move up to 30 lbs.