Manager, Credit Risk & Analytics

Lowe's • Mooresville, NC

3d • Onsite

About The Position

This position is based at our headquarters in Mooresville, North Carolina. Our corporate office is a space where you can collaborate and do your best work. Take a walk, grab a bite (or a cup of coffee), work out or get a check-up - we invest in you so you can find your inspiration. Your Impact The Manager, Credit Risk & Analytics plays a key role in driving Lowe's credit portfolio performance through data-driven oversight, analytical insight, and risk strategy partnership. This role supports Lowe's enterprise credit programs by collaborating with financial institution partners, internal analytics teams, and senior leadership to shape credit policy, monitor performance, and implement strategies that balance growth and risk. The role ensures Lowe's maintains a healthy, sustainable credit ecosystem — one that enables customer acquisition, deepens loyalty, and supports the company's strategic growth in the Pro and Consumer segments.

Requirements

• Bachelor's degree in Finance, Economics, Data Analytics, or related field (or equivalent experience). or equivalent years of experience in lieu of education requirement, if applicable
• 5+ years of experience in credit risk management, portfolio analytics, or financial services.
• 5+ years of experience in retail, preferably in Home Improvement

Responsibilities

• Lead analytical oversight of Lowe's credit portfolios in partnership with the bank, monitoring trends in delinquency, loss rate, approval rates, utilization, and profitability.
• Partner with internal Data & Analytics teams to design and deliver dashboards, performance reports, and predictive models that inform portfolio health and customer strategy.
• Collaborate with the bank's credit strategy teams to evaluate new products, underwriting changes, and line management policies — providing Lowe's perspective on growth and risk tradeoffs
• Build and maintain a credit risk governance framework that defines metrics, thresholds, and escalation processes for key performance indicators.
• Support loss forecasting, segmentation analysis, and profitability reviews to inform finance and strategic planning.
• Work cross-functionally with Finance, Marketing, Operations, and Legal to assess portfolio initiatives and ensure compliance with company risk tolerance and regulatory expectations.
• Provide leadership and development for a team of analysts and specialists, fostering a culture of accountability, curiosity, and collaboration
• Present findings and recommendations to senior leadership in a clear, concise, and data-driven manner.
• Lead initiatives that connect credit risk performance to customer value, ensuring strategies support both financial health and customer experience

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Number of Employees: 5,001-10,000 employees