Small Business Card Acquisition - Consumer Product Strategy Manager II

📍 Job Overview

Job Title: Small Business Card Acquisition - Consumer Product Strategy Manager II

Company: Bank of America

Location: Charlotte, North Carolina, United States (with potential for Boston, MA; Newark, NJ; New York, NY; Jacksonville, FL; Phoenix, AZ)

Job Type: Full time

Category: Consumer Product Strategy & Analytics (Revenue Operations Focus)

Date Posted: August 20, 2026

Experience Level: 5-10 years (Mid to Senior level)

Remote Status: Hybrid (with potential for on-site work in designated locations)

🚀 Role Summary

• Lead a team responsible for developing and executing strategies to acquire small business card customers, focusing on risk optimization and profitability enhancement.

• Drive advanced analytics and portfolio management to understand trends, forecast performance, and identify opportunities for growth within the small business credit card portfolio.

• Own the end-to-end targeting models and campaign design process for monthly acquisition campaigns, ensuring maximum campaign performance and efficient marketing budget utilization.

• Collaborate cross-functionally with product, technology, risk, legal, and compliance teams to champion and launch innovative initiatives and capabilities that drive acquisition.

• Serve as the primary owner for acquisition performance management, delivering actionable insights, executive reporting, and strategic recommendations to senior leadership.

📝 Enhancement Note: This role sits at the intersection of Product Strategy, Analytics, and Revenue Operations. While the title is "Consumer Product Strategy Manager II," the core responsibilities heavily lean into driving revenue through strategic acquisition campaigns, performance analytics, and model optimization, aligning it closely with a Revenue Operations or Sales Operations function focused on customer acquisition and portfolio growth. The emphasis on "Small Business Card Acquisition" and "Consumer Product Strategy" indicates a focus on B2B or B2C acquisition within the financial services sector, specifically credit cards.

📈 Primary Responsibilities

• Establish and oversee department-wide strategies for portfolio trend analysis, forecasting, and risk/control performance management to maximize profitable acquisition.

• Lead the development and execution of innovative, large-scale initiatives aimed at improving risk management, profitability, and control oversight for the small business card portfolio.

• Analyze economic and portfolio conditions to identify key business trends, translating these insights into actionable strategies and communicating findings effectively to senior management.

• Coach and mentor team members on best practices for structuring complex analytical problems, performing rigorous data analysis, and clearly communicating results and strategic implications.

• Build and maintain robust strategic relationships with peers and counterparts across product development, technology, business control, legal, and compliance functions to ensure seamless campaign execution and initiative rollout.

• Manage the end-to-end targeting strategy and campaign design for monthly Small Business (SB) Card acquisition campaigns, aiming to drive over 300,000 new account bookings annually.

• Own and enhance targeting models by incorporating the latest results, trends, and policy updates to optimize campaign performance and maximize marketing budget ROI.

• Champion the development of comprehensive campaign strategies, including offer details and channel selection, and partner with all necessary stakeholders (legal, compliance, MDUG, channel partners, etc.) for execution.

• Act as the primary owner for acquisition performance management, delivering actionable insights, executive-level reporting, and strategic recommendations to senior leadership.

• Monitor key business outcomes including account growth, response rates, approval rates, profitability, and campaign ROI to inform future investment and targeting decisions.

• Lead technology projects related to offer capabilities, such as implementing gaming logic within application decisioning or pre-qualification functionality for SB Card, including participation in PI planning, user testing, validation, and roll-out activities.

📝 Enhancement Note: The responsibilities highlight a strong analytical and strategic component, requiring a deep understanding of data-driven decision-making for customer acquisition. The emphasis on "maximizing campaign performance," "optimizing use of marketing budget," and "ROI" firmly places this role within a revenue-generating operations function.

🎓 Skills & Qualifications

Education:

• Bachelor's degree in Business, Data Analytics, Computer Science, Economics, Finance, or a related quantitative field is required.

• A Master's degree in a related field is strongly preferred. Experience:

• 5-10 years of progressive experience in acquisition strategy, targeting, and campaign management, preferably within the financial services or credit card industry.

• Proven track record of optimizing campaign performance and demonstrating measurable improvements in key acquisition metrics.

• Experience working with quantitative analytics teams to inform model development, targeting tools, and strategic decision-making.

• Demonstrated experience in developing and executing business strategy and roadmap planning. Required Skills:

• SAS/SQL Proficiency: Hands-on experience querying, analyzing, and manipulating large datasets to extract actionable insights.

• Analytical & Problem-Solving Skills: Proven ability to solve complex business problems through structured analytics, critical thinking, and data mining.

• Microsoft Excel Mastery: Advanced proficiency in Excel, including complex formulas, pivot tables, scenario modeling, and data visualization.

• Marketing Channel Understanding: Knowledge of typical marketing channels such as direct mail, email, digital, and in-branch (finance center) strategies.

• Cross-Functional Collaboration: Ability to work effectively across diverse functional lines and organizational levels to drive results and achieve strategic objectives.

• Innovative Mindset: A proactive and innovative approach with a demonstrated ability to challenge the status quo and identify opportunities for improvement.

• Process Optimization: Ability to proactively identify, analyze, and improve upon existing processes for enhanced efficiency and effectiveness.

• Adaptability & Multi-tasking: Skill in managing a varied set of priorities, both planned and ad-hoc, and adapting effectively within a dynamic, fast-paced environment.

• Communication & Presentation: Excellent verbal and written communication skills; comfortable packaging and presenting complex information and insights clearly and compellingly to strategic partners and leaders.

• Intellectual Curiosity: A proactive drive to research and support go-to-market strategies and tactics, including the optimization of marketing offers, channels, and pricing.

Preferred Skills:

• Experience leveraging analytics and reporting tools such as Tableau, Power BI, or similar platforms for data visualization and dashboard creation.

• Experience in Python for data analysis, modeling, or automation.

• Experience within the Credit Card or Lending Products domain.

• Understanding of Profit & Loss (P&L) basics and financial modeling.

• Familiarity with Strategy Performance Management and Decision Strategy Governance (DSG) frameworks.

📝 Enhancement Note: The qualifications emphasize a blend of technical analytical skills (SAS, SQL, Excel), strategic thinking, and strong communication/collaboration abilities. This is typical for roles that bridge data science, product management, and operations. The "Manager II" title suggests a need for leadership experience and the ability to mentor junior analysts.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• Campaign Performance Case Studies: Showcase examples of acquisition campaigns you've managed or significantly contributed to, detailing the strategy, execution, and quantifiable results (e.g., increase in response rates, conversion rates, account bookings, ROI).

• Data Analysis & Insights Demonstrations: Present instances where you used SAS/SQL or other analytical tools to analyze large datasets, uncover critical trends, and translate findings into strategic recommendations that influenced business decisions.

• Process Improvement Examples: Highlight specific instances where you identified inefficiencies in acquisition processes (e.g., targeting, campaign execution, reporting) and implemented improvements that led to measurable gains in efficiency, cost savings, or performance.

• Strategic Planning Artifacts: Include examples of strategy documents, roadmaps, or business cases you've developed that outline acquisition goals, key initiatives, and projected outcomes.

Process Documentation:

• Workflow Design & Optimization: Be prepared to discuss your experience in designing, documenting, and optimizing workflows for customer acquisition campaigns, from initial targeting and offer development through to execution and performance analysis.

• Data Governance & Quality: Demonstrate an understanding of data governance principles and how you ensure data quality and integrity when working with large datasets for analysis and reporting.

• Measurement & Performance Analysis: Detail your methodology for defining key performance indicators (KPIs), tracking campaign performance, conducting A/B testing, and generating actionable insights for continuous improvement.

📝 Enhancement Note: For a role focused on acquisition strategy and analytics, a portfolio should clearly demonstrate the candidate's ability to drive revenue through data-informed strategies. Quantifiable results and a clear articulation of the impact of their work on key business metrics are crucial.

💵 Compensation & Benefits

Salary Range: $150,000 - $207,200 annually.

• 📝 Enhancement Note: This salary range is based on the provided information. For a "Manager II" level role with significant responsibilities in a major financial institution like Bank of America, this range is competitive for major metropolitan areas like Charlotte, Boston, and New York. Actual offers will be determined by factors including experience, education, skill set, and specific location within the listed regions, which may have minor cost-of-living adjustments influencing final compensation.

Benefits:

• Comprehensive Health & Wellness: Access to industry-leading benefits, likely including medical, dental, and vision insurance.

• Financial Wellness Support: Resources and programs designed to support employees' financial well-being.

• Paid Time Off: Generous paid time off policies to support work-life balance.

• Discretionary Incentive Plan: Eligibility for an annual discretionary bonus based on individual, team, and company performance.

• Career Development: Opportunities for learning, growth, and advancement within the organization.

• Retirement Savings Plans: Likely includes a 401(k) plan with company match.

• Employee Assistance Programs: Support services for personal and professional challenges.

Working Hours: 40 hours per week, typically aligned with the 1st shift (standard business hours) in the United States.

• 📝 Enhancement Note: While a standard 40-hour work week is expected, the hybrid nature and fast-paced environment may require flexibility. The role involves managing campaigns and performance, which can sometimes necessitate attention outside of core hours, especially during critical reporting periods or campaign launches.

🎯 Team & Company Context

🏢 Company Culture

Industry: Financial Services (Banking & Credit Cards). Bank of America is a global leader in financial services, providing a wide range of banking, investing, asset management, and other financial and risk management products and services.

Company Size: Large (over 10,000 employees, often exceeding 200,000 globally). This means extensive resources, established processes, and opportunities for specialization, but also a potentially more complex organizational structure.

Founded: 1998 (through the merger of BankAmerica and NationsBank, with roots dating back to 1874). This long history signifies stability, extensive market experience, and a deep understanding of the financial landscape.

Team Structure:

• Operations Focus: This role likely sits within a broader Consumer Products or Card Services division, specifically within the Acquisition Strategy or Analytics team.

• Reporting: The "Manager II" title suggests the role will manage a team of analysts and strategists, reporting to a Director or Senior Manager of Acquisition or Product Strategy.

• Cross-Functional Collaboration: The role demands extensive partnership with teams such as Product Management, Data Science/Quantitative Analytics, Technology/Engineering, Marketing, Risk Management, Legal, Compliance, and potentially Marketing Operations or GTM teams.

Methodology:

• Data-Driven Decision Making: A strong emphasis on using data, analytics, and modeling to inform strategic decisions, optimize performance, and manage risk.

• Agile Principles: Likely adoption of agile methodologies for technology project management and iterative campaign development, particularly with PI planning mentioned.

• Process Optimization: Continuous focus on improving efficiency, effectiveness, and ROI across all acquisition processes.

• Risk Management Integration: A core component of the role, ensuring that acquisition strategies balance growth with acceptable levels of portfolio risk.

Company Website: https://www.bankofamerica.com/

📝 Enhancement Note: Bank of America's culture emphasizes "Responsible Growth," which implies a balance between achieving business objectives and ethical practices, risk management, and client/community focus. For an operations role, this translates to driving results while adhering to strict regulatory and risk frameworks.

📈 Career & Growth Analysis

Operations Career Level: This position is classified as a Manager II, indicating a mid-to-senior level role. It requires not only individual contribution and analytical expertise but also the ability to lead a team, manage strategic initiatives, and influence stakeholders across different departments. The scope involves significant impact on a key revenue driver (card acquisition) for a major business unit.

Reporting Structure: The Manager II will likely report to a Director or Senior Director within the Consumer Card Acquisition or Product Strategy organization. They will manage a team of analysts, strategists, or junior managers, overseeing their work and development.

Operations Impact: This role directly impacts the company's revenue growth by driving the acquisition of new small business credit card customers. Success here translates to increased transaction volume, interest income, fee revenue, and overall portfolio value. Strategic decisions made by this role influence marketing spend, risk appetite, and the competitive positioning of Bank of America's small business card products.

Growth Opportunities:

• Leadership Advancement: Potential to progress to Director-level roles within Acquisition Strategy, Product Management, or related Analytics functions.

• Specialization: Opportunity to deepen expertise in specific areas such as advanced modeling, P&L management, credit risk strategy, or digital acquisition channels.

• Cross-Functional Moves: Potential to transition into broader Product Management, Marketing Strategy, or GTM roles within Bank of America's diverse business units.

• Learning & Development: Access to extensive internal training programs, executive coaching, and potential sponsorship for external certifications or advanced degrees.

📝 Enhancement Note: The "Manager II" title implies a significant level of responsibility and a clear path for further career progression within a large organization like Bank of America. The role offers a blend of strategic leadership and deep analytical work, providing a solid foundation for future growth in financial services operations and product management.

🌐 Work Environment

Office Type: Bank of America promotes an "in-office culture that supports collaboration, engagement, and career development." While the role is designated as Hybrid, the company emphasizes clear in-office expectations. This suggests a significant portion of the work will be performed on-site, likely 3-4 days a week, with remote flexibility for specific tasks or days. The company policy may require a transition to full on-site work depending on role-specific needs and business requirements.

Office Location(s): The primary location is Charlotte, NC, with potential assignments or travel to other major hubs including Boston, MA; Newark, NJ; New York, NY; Jacksonville, FL; and Phoenix, AZ. Candidates should be prepared to work from one of these designated office locations.

Workspace Context:

• Collaborative Environment: Expect a dynamic office setting designed for teamwork, with shared workspaces, meeting rooms, and opportunities for spontaneous interaction with colleagues.

• Technology & Tools: Access to a robust technology infrastructure, including high-performance computing for analytics, secure network access, and standard office productivity tools. The role will heavily utilize advanced analytics platforms and reporting dashboards.

• Team Interaction: Frequent interaction with direct reports, peers, and senior leadership, fostering a culture of open communication and knowledge sharing.

Work Schedule: The standard work schedule is 40 hours per week, typically during the 1st shift (daytime business hours). However, the demands of managing acquisition campaigns and performance metrics may require flexibility to address urgent issues or meet reporting deadlines.

📝 Enhancement Note: The emphasis on "in-office culture" and the potential requirement to work onsite suggests that candidates should be comfortable with a hybrid model that prioritizes in-person collaboration. This is a common trend in large financial institutions aiming to foster team cohesion and direct mentorship.

📄 Application & Portfolio Review Process

Interview Process: The interview process at Bank of America for a role of this caliber typically involves multiple stages:

• Initial Screening: A recruiter or HR representative will review your application and conduct a brief phone screen to assess basic qualifications and interest.

• Hiring Manager Interview: A more in-depth discussion with the hiring manager focusing on your experience, skills, strategic thinking, and team leadership capabilities. Be prepared to discuss your approach to acquisition strategy and portfolio management.

• Technical/Analytical Assessment: This may involve a case study, a take-home assignment, or a live coding/analytics exercise using SAS, SQL, or Excel to assess your quantitative skills and problem-solving abilities.

• Panel Interviews: You may meet with a panel of peers, direct reports, and cross-functional partners to evaluate your collaboration style, communication skills, and cultural fit.

• Senior Leader Interview: A final interview with a Director or VP to discuss your strategic vision and alignment with the company's goals.

Portfolio Review Tips:

• Quantify Everything: For each project or campaign in your portfolio, clearly state the objective, your role, the actions taken, and the measurable results (e.g., "Increased approval rates by 5%," "Reduced marketing spend by $X while maintaining booking volume," "Improved ROI by 15%").

• Structure for Impact: Organize your portfolio around key skill areas or project types (e.g., Campaign Optimization, Model Development, Process Improvement, Strategic Planning). Use a clear, concise narrative for each example, highlighting the problem, solution, and outcome.

• Showcase Analytical Rigor: For data analysis examples, detail the tools used (SAS, SQL, Excel), the types of analysis performed (e.g., segmentation, regression, trend analysis), and how the insights drove action.

• Highlight Leadership: If applicable, include examples where you led a team, mentored junior members, or influenced cross-functional decisions.

• Tailor to the Role: Emphasize experiences most relevant to acquisition strategy, targeting models, campaign management, and portfolio performance within financial services.

Challenge Preparation:

• Case Study Focus: Expect case studies that require you to analyze a hypothetical acquisition scenario, identify key challenges, propose strategic solutions, and outline how you would measure success. Practice structuring your response: Problem -> Analysis -> Strategy/Solution -> Implementation Plan -> Metrics.

• Technical Proficiency: Be ready to demonstrate your SAS/SQL skills, potentially by writing queries to extract specific data or perform analyses. Refresh your knowledge of Excel functions for financial modeling and scenario analysis.

• Strategic Articulation: Prepare to articulate your thought process clearly, explaining the rationale behind your strategic recommendations and how they align with business objectives and risk considerations.

📝 Enhancement Note: Bank of America's interview process is thorough and designed to assess a candidate's technical skills, strategic acumen, leadership potential, and cultural fit. A well-prepared portfolio that showcases quantifiable achievements is critical for success.

🛠 Tools & Technology Stack

Primary Tools:

• SAS/SQL: Essential for data extraction, manipulation, and analysis of large customer datasets. Proficiency is a core requirement.

• Microsoft Excel: Advanced use for modeling, scenario analysis, reporting, and data visualization.

• Python: Preferred skill for advanced analytics, modeling, and potentially automation, especially for enhancing targeting models.

Analytics & Reporting:

• Tableau/Power BI: Preferred experience for creating interactive dashboards, visualizing trends, and communicating performance insights to stakeholders.

• Internal Reporting Systems: Familiarity with Bank of America's proprietary reporting and analytics platforms will be developed on the job.

CRM & Automation:

• CRM Systems: While not explicitly mentioned, understanding CRM principles for customer data management is beneficial.

• Campaign Management Platforms: Experience with tools used for designing, executing, and tracking marketing campaigns.

• Decision Strategy Governance (DSG): Preferred familiarity with frameworks for managing and governing decision-making logic in customer interactions.

📝 Enhancement Note: Proficiency in SAS and SQL is non-negotiable for this role, as it forms the backbone of data analysis for acquisition strategy. Experience with visualization tools like Tableau or Power BI is highly valued for communicating insights effectively.

👥 Team Culture & Values

Operations Values:

• Responsible Growth: A core tenet of Bank of America, emphasizing that all business decisions and strategies must balance profitability with ethical conduct, risk management, and positive client/community impact.

• Data-Driven Excellence: A commitment to leveraging data and analytics as the foundation for strategic decision-making, operational efficiency, and performance optimization.

• Customer Focus: Prioritizing the needs and experiences of customers, particularly small business owners, in the development of products and acquisition strategies.

• Innovation & Continuous Improvement: Encouraging a mindset of challenging the status quo, seeking new approaches, and constantly refining processes and strategies to achieve better outcomes.

• Collaboration & Inclusion: Fostering an environment where diverse perspectives are valued, and teams work together effectively to achieve common goals.

Collaboration Style:

• Cross-Functional Integration: The role requires a highly collaborative approach, working closely with product, technology, risk, and marketing teams to align strategies and execute complex initiatives.

• Data-Informed Discussions: Discussions and decision-making are expected to be grounded in data and analytical insights, fostering a meritocratic approach to strategy development.

• Clear Communication: Emphasis on clear, concise, and compelling communication, particularly when presenting complex analytical findings and strategic recommendations to diverse audiences, including senior leadership.

• Proactive Partnership: A proactive style of building and maintaining relationships with stakeholders to ensure alignment and facilitate smooth execution of campaigns and projects.

📝 Enhancement Note: Bank of America's culture, particularly within its operational and analytical functions, is likely to be structured, data-intensive, and risk-aware, while also valuing innovation and collaboration.

⚡ Challenges & Growth Opportunities

Challenges:

• Balancing Growth and Risk: A primary challenge will be to drive aggressive customer acquisition targets while rigorously managing portfolio risk and ensuring profitability, adhering to strict regulatory guidelines.

• Navigating a Large Organization: Effectively influencing and collaborating across numerous departments and stakeholders within a large, complex financial institution can be challenging.

• Rapidly Evolving Market: Keeping pace with evolving consumer behavior, competitive offerings, and technological advancements in the credit card and fintech space.

• Data Complexity: Working with vast and complex datasets requires sophisticated analytical skills and robust data management practices.

Learning & Development Opportunities:

• Advanced Analytics & Modeling: Opportunities to deepen expertise in advanced statistical modeling, machine learning, and AI applications for acquisition and risk management.

• Product Strategy & Management: Gaining in-depth knowledge of credit card product development, lifecycle management, and go-to-market strategies.

• Financial Risk Management: Developing a sophisticated understanding of credit risk, portfolio management, and regulatory compliance within the financial services industry.

• Leadership Development Programs: Access to formal leadership training, executive coaching, and opportunities to manage and mentor high-performing teams.

• Industry Conferences & Certifications: Potential for sponsorship to attend relevant industry conferences or pursue professional certifications in analytics, product management, or finance.

📝 Enhancement Note: This role offers a significant opportunity for professional development by tackling complex challenges in a high-stakes environment, allowing for deep specialization in financial services acquisition and product strategy.

💡 Interview Preparation

Strategy Questions:

• "Describe a time you developed and executed an acquisition strategy for a new product or segment. What were the key challenges, your approach, and the measurable outcomes?" (Focus on process, data, and results)

• "How would you go about optimizing a direct mail campaign for small business credit card acquisition to improve response rates and ROI by 10%?" (Demonstrate analytical thinking, channel knowledge, and optimization approach)

• "Imagine our approval rates have declined by 3% quarter-over-quarter. What steps would you take to diagnose the cause and recommend solutions?" (Showcase problem-solving methodology, data analysis skills, and understanding of risk/policy impacts)

• "How do you balance aggressive growth targets with managing portfolio risk and profitability?" (Address strategic trade-offs and risk management frameworks) Company & Culture Questions:

• "What do you know about Bank of America's strategy for small business banking and credit card acquisition?" (Research company goals, recent news, and target markets)

• "How do you foster a collaborative environment within your team and with cross-functional partners?" (Provide examples of your leadership and communication style)

• "Describe a situation where you had to influence senior stakeholders to adopt a new strategy or initiative. What was your approach?" (Highlight your communication, persuasion, and strategic articulation skills) Portfolio Presentation Strategy:

• Tell a Story: For each portfolio example, frame it as a narrative: the business problem, your analytical approach, the solution implemented, and the quantifiable business impact.

• Focus on Impact: Clearly articulate the "so what?" for each project – how did your work drive revenue, reduce costs, mitigate risk, or improve efficiency? Use metrics and dollar figures whenever possible.

• Be Prepared for Deep Dives: Anticipate detailed questions about your methodologies, the data you used, the assumptions you made, and the trade-offs you considered.

• Demonstrate Tool Proficiency: If asked, be ready to walk through a sample analysis or query in SAS, SQL, or Excel, explaining your logic and findings.

📝 Enhancement Note: Interviews at Bank of America will assess not only your technical capabilities but also your strategic thinking, leadership potential, and alignment with the company's values of Responsible Growth and collaboration.

📌 Application Steps

To apply for this operations position:

• Submit your application through the Bank of America careers portal via the provided link.

• Tailor Your Resume: Customize your resume to highlight keywords and responsibilities mentioned in this job description, such as "SAS," "SQL," "acquisition strategy," "portfolio management," "campaign optimization," "risk management," and "strategic planning." Quantify your achievements with specific numbers and percentages.

• Prepare Your Portfolio: Gather 3-5 key projects that best showcase your experience in acquisition strategy, data analytics, campaign management, and process improvement. Ensure each example clearly articulates the problem, your solution, and the measurable business impact.

• Practice Interview Responses: Rehearse answers to common interview questions, focusing on the STAR method (Situation, Task, Action, Result) and preparing specific examples from your experience. Practice articulating your thought process for strategy and problem-solving scenarios.

• Research Bank of America: Understand the company's mission, values, recent performance, and specific strategies related to small business banking and credit cards. This will help you tailor your responses and demonstrate genuine interest.

⚠️ Important Notice: This enhanced job description includes AI-generated insights and operations industry-standard assumptions. All details should be verified directly with the hiring organization before making application decisions.