Credit Card Program Manager

I am Lacey Sansavera, EVP Chief Banking Officer at the Bank of Utah. Founded in 1952, Bank of Utah is one of Utah's largest, privately owned community banks. Here we strive to unlock the potential of our team members, clients, and community. We act with integrity in every decision, build trust through every interaction, and exceed expectations at every opportunity. We seek to responsibly create lasting prosperity today and for generations to come.

We are currently looking for a Credit Card Program Manager. The Credit Card Program Manager will lead the launch and ongoing management of the bank’s in-house credit card program. This role is responsible for overseeing implementation, platform integration, credit policy adaptation, product design, and post-launch performance. The role will support both consumer and small business card offerings, ensuring alignment with the bank’s credit risk appetite, regulatory standards, and long-term client acquisition strategy. The ideal candidate brings strong experience in unsecured credit products and is equally comfortable managing cross-functional projects, credit frameworks, and vendor relationships.

Experience/Skills necessary to perform duties:

• 7+ years of experience in credit card program management, unsecured lending, or credit risk.
• Demonstrated success launching or managing credit card products in a bank or fintech environment.
• Strong understanding of credit policy, risk management, and consumer/business lending regulations.
• Proven ability to lead cross-functional implementation projects and collaborate with senior-level stakeholders.
• Experience managing vendor relationships, particularly with credit card issuing platforms or processors.
• Excellent analytical, communication, and organizational skills.

Regular Duties and Responsibilities:

Implementation & Program Launch

• Lead and coordinate the end-to-end implementation of the in-house credit card platform.  Serve as the internal point person for the credit card issuing platform, managing the vendor relationship and ensuring implementation aligns with the bank’s long-term client acquisition and digital engagement strategy.
• Collaborate with vendor partners and internal teams to configure platform settings, workflows, and integrations.
• Manage project timelines, milestones, and deliverables to ensure successful and timely deployment.

Product & Program Management

• Own the full product lifecycle of the credit card program—design, launch, manage, and evolve.
• Define card features, pricing, rewards, and customer experience strategy across both consumer and small business markets.
• Establish KPIs to track performance, usage, and profitability, and make data-driven recommendations to optimize the program over time.

Policy & Risk Oversight

• Collaborate with the bank’s Credit team to ensure alignment with institutional credit risk appetite and lending policy.
• Interpret and translate the bank’s credit standards into scalable, card-specific underwriting criteria for both consumer and business applicants.
• Oversee automated and manual approval/denial workflows, ensuring consistency, compliance, and sound credit decisions.
• Monitor credit performance and risk indicators to refine underwriting, line management, and pricing strategies post-launch.
• Serve as the primary point of contact for credit card-related audits, regulatory reviews, and portfolio risk analysis.

Cross-Functional Collaboration

• Partner with Compliance, Credit, IT, Operations, and Marketing to ensure all aspects of the program are well integrated and meet regulatory and strategic standards.
• Maintain close working relationships with the issuing platform provider to ensure continued alignment on servicing, enhancements, and issue resolution.
• Provide training and support to internal stakeholders on credit card policies, processes, and servicing expectations.
• Ensure full compliance with applicable regulations (e.g., Reg Z, Fair Lending, UDAAP).
• Attendance is an essential function of the job.