About NISC: NISC develops and implements enterprise-level and customer-facing software solutions for over 1,200+ energy cooperatives and communication organizations across North America. Our mission is to deliver technology solutions and services that are Member-focused, quality-driven and valued-priced. We exist to serve our Members and help them serve their communities through our innovative software products, services and outstanding customer support. We are an AI-forward company committed to being a technology leader in our industry. NISC has been ranked in ComputerWorld’s Best Places to Work for 23 years, and we are looking for qualified individuals to join our team. Job Summary: The Director of Financial Services & Analytics is responsible for supporting profitable performance, risk optimization, and member/customer value across the credit card portfolio. This role will support portfolio performance, payment applications, product performance, customer and lifecycle management contributing to the overall strategy, and will assist in P&L analysis. The role will partner closely with Finance, Risk, Marketing, Operations, and Technology to optimize acquisition, engagement, retention, and payment processing performance. Essential Duties: Credit Card Portfolio Strategy & Management • Support VP in P&L management including revenue, billing performance, interchange, fee income, and expense management • Develop and contribute to strategic growth around acquisition, activation, and usage • Support pricing strategy development, line assignment, balance transfer strategy, and promotional programs • Monitor portfolio performance and recommend actions to improve risk-adjusted returns • Evaluate new product features, rewards structures, and partnership opportunities Analytics & Decision Science Leadership • Develop and maintain segmentation models, profitability modeling, lifetime value analysis, and forecasting • Support test-and-learn experimentation frameworks (A/B testing, champion/challenger models) • Translate data insights into actionable business strategies • Build and evolve customer and internal facing payment applications, dashboards and KPIs for executive reporting • Serve as subject matter expert in SQL-based data environments; extract, manipulate and interpret large transactional datasets. Credit Risk & Compliance • Ensure adherence to regulatory requirements • Support internal audits and regulatory exams Treasury Knowledge • Partner with Finance and Treasury to analyze payment flows and provide recommendations to settlement timing, liquidity forecasting, and transaction cost management • Oversee payment operations within utility/banking frameworks, ensuring operational efficiency and financial control • Evaluate and improve billing processes, interchange optimization, fee income, and cost of funds • Analyze transaction lifecycle performance including authorization rates, disputes, fraud exposure, and chargebacks ratios and improve payment acceptance • Develop strategies to reduce chargeback Customer Lifecycle Management • Optimize customer journey from acquisition through retention • Develop activation campaigns and engagement strategies • Identify attrition risk and implement retention strategies • Drive digital engagement and card-on-file strategies Cross-Functional Leadership • Collaborate with Finance on forecasting and capital planning • Partner with Marketing on targeted campaigns and acquisition strategy • Work with Technology to enhance data infrastructure and reporting • Support relationships with payment processors, banks, networks (e.g., Visa/Mastercard), and external vendors Knowledge, Skills, & Abilities: Required • 8+ years of experience in payment processing portfolio management, treasury management, or financial analytics • Strong understanding of , pricing strategy, and portfolio optimization • Advanced analytical capability (SQL, LLM’s, Python, R, SAS, or similar tools) • Experience supporting P&L analysis, forecasting and reporting or large product portfolio • Proven leadership experience managing analytical and/or product teams • Bachelor’s degree in Finance, Economics, Data Analytics, Business, Computer Science, or a related field, or equivalent combination of education and relevant professional experience • Strong executive communication skills Preferred • Experience in fintech, bank, or credit union environments • MBA, CFA, or advanced quantitative degree • Experience with regulatory compliance in payment processing • Familiarity with risk modeling frameworks Leadership Competencies • Strategic thinking • Data-driven decision making • Cross-functional influence • Regulatory awareness • Operational discipline • Talent development Minimum Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the essential functions of this position, employees must be able to see and communicate.  Employees are regularly required to maintain a stationary position, move, and operate computer keyboards or office equipment. Disclaimer: Management may modify this job description by assigning or reassigning duties and responsibilities at any time.