Senior, Credit Finance - Credit Portfolio Analysis (REMOTE)

Be part of an amazing story.

Macy's is more than just a store. We're a story. One that's captured the hearts and minds of America for more than 160 years. A story about innovations and traditions...about inspiring stores and irresistible products...about the excitement of the Macy's 4th of July Fireworks, and the wonder of the Thanksgiving Day Parade. We've been part of memorable moments and milestones for countless customers and colleagues. Those stories are part of what makes this such a special place to work.

Job Overview

The Senior Manager, Credit Portfolio Analysis supports the Credit management team, developing models and analyzing data, benchmarking, and presenting results related to the organization's credit portfolio. This role includes support for the enhancement and alignment of customer loyalty programs with credit offerings to maximize revenue, reduce risk, and drive growth. The manager applies a strong analytical background, expertise in the use of appropriate tools, and maintains a customer-centric mindset to drive business insights, strategic growth initiatives, and marketing activities in a fast-paced retail environment.

What You Will Do

Credit Portfolio Analysis

• Develop various financial models, analyze data, and present results for forecasting, planning, and analysis for on-us and off-us credit sales and new credit acquisitions.
• Collaborate with internal and external teams, including credit marketing, corporate accounting/finance, digital and customer journey teams, store teams, Citi, and Amex, to drive credit business growth strategies.
• Create proformas and postmortem result analysis.
• Work with finance, risk management, and data analytics teams to retrieve necessary data from Macy's systems as well as other systems and sources.
• Oversee, track, and lead growth related projects.
• Develop high quality presentations using tools like PowerPoint.
• Accurately forecast and present portfolio performance insights and actionable recommendations to executive leadership and stakeholders focused on driving growth in accounts receivable and number of active cardholders.
• Collaborate with product and IT teams to ensure smooth technology integration and interaction among various sales, loyalty, and credit systems.

Strategic Leadership

• Monitor and assess the effectiveness of current policies and processes, providing recommendations for improvements as needed.
• Foster an environment of acceptance and respect that strengthens relationships, and ensures authentic connections with colleagues, customers, and communities
• In addition to the essential duties mentioned above, other duties may be assigned.

Skills You Will Need

Analytical Expertise: Advanced quantitative skills with proficiency in tools like Tableau, Power BI, and Excel.

Presentation Expertise: Advanced skills with presentation creation using tools like PowerPoint, photoshop, and others.

Credit Portfolio analysis: Understanding of credit products, risk principles, and performance optimization.

Communication: Exceptional skills in presenting insights and actionable recommendations to stakeholders.

Strategic Vision: Ability to align credit and loyalty strategies with broader organizational objectives.

Who You Are

• Candidates with a bachelor's degree or equivalent work experience in a related field are encouraged to apply, MBA preferred.
• 8+ years of experience in credit portfolio, financial reporting, or loyalty program analytics, preferably in the retail industry.
• Regularly required to sit, talk, hear; use hands/fingers to touch, handle, and feel. Occasionally required to move about the workplace and reach with hands and arms. Requires close vision.
• Able to work a flexible schedule based on department and company needs.

What We Can Offer You

Join a team where work is as rewarding as it is fun! We offer a dynamic, inclusive environment with competitive pay and benefits. Enjoy comprehensive health and wellness coverage and a 401(k) match to invest in your future. Prioritize your well-being with paid time off and eight paid holidays. Grow your career with continuous learning and leadership development. Plus, build community by joining one of our Colleague Resource Groups and make a difference through our volunteer opportunities.

Some additional benefits we offer include:

• Merchandise discounts
• Performance-based incentives
• Annual merit review
• Employee Assistance Program with mental health counseling and legal/financial advice
• Tuition reimbursement

Access the full menu of benefits offerings here.

About Us

This is a great time to join Macy's! Whether you're helping a customer find the perfect gift, streamlining operations in one of our distribution centers, enhancing our online shopping experience, buying in-style and on-trend merchandise to outfit our customers, or designing a balloon for the Thanksgiving Day Parade, we offer unique opportunities to be part of some of the most memorable moments in people's lives.

Join us and help write the next chapter in our story - Apply Today!

This job description is not all-inclusive. Macy's, Inc. reserves the right to amend this job description at any time. Macy's, Inc. is an Equal Opportunity Employer, committed to a diverse and inclusive work environment.

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