Sr. Director, Credit Finance Risk and Growth

Macy's•Mason, OH

3d•$172,000 - $286,600

About The Position

The Senior Director, Credit Finance Risk & Growth leads credit risk strategy, credit and loyalty analytics, and financial planning and analysis (FP&A) for on-us sales, off-us sales, acquisitions, and new accounts across Macy’s and Bloomingdale’s private label and American Express portfolios. In collaboration with Macy’s and Citi partners, the role optimizes underwriting, credit policy, account management, card usage, acquisition, engagement, and purchase frequency. The position translates complex risk, financial, and analytical insights into recommendations, develops a high-performing team, and drives cross-functional accountability to deliver sustainable, profitable growth. It serves as a strategic finance and risk partner to senior leaders across Macy’s and Citi.

Requirements

10-plus years of related finance and/or risk management experience.
Bachelor’s degree or equivalent work experience in a related field.
Ability to partner with Citibank and senior leaders to shape risk and growth strategies, influence decisions, and drive measurable performance improvements.
Proven capability to lead annual budget cycles and ongoing forecasts, identify risks and opportunities, and deliver variance analysis with clear corrective actions.
Strong skill in building financial models, scenario analyses, and decision frameworks that align Credit Business initiatives to enterprise goals and ROI outcomes.
Understanding of how credit risk and growth strategies drive customer engagement and credit card revenue and connect to Macy’s Inc. performance.
Ability to communicate clearly and confidently across levels, present complex financial insights in a decision-ready way, and influence outcomes in a complex matrix environment.
Demonstrated ability to build credibility and trust with senior stakeholders through objective counsel, relationship management, and consistent follow-through.
Strong ethics, personal integrity, judgment, and ability to set the right tone for teams and stakeholders.
Ability to connect information quickly, diagnose issues early, and recommend practical solutions as business conditions change.
Demonstrated ability to lead, coach, and develop teams; motivate and retain high-performing talent; and build bench strength for critical finance capabilities.
Ability to perform essential job functions involving communication, collaboration, use of office and computer systems, access to and review of written and electronic information, and movement within the work environment to interact with workplace materials.
Ability to work a flexible schedule based on department and company needs.

Nice To Haves

MBA.
Experience with a department store retailer or partner bank.

Responsibilities

Lead credit risk strategy for Macy’s and Bloomingdale’s private label and American Express portfolios, balancing prudent risk management with growth.
Partner with Citi to optimize underwriting, credit policy, and account management strategies across new and existing cardholders.
Monitor credit quality, delinquencies, and NCL trends to identify emerging risks and opportunities.
Translate risk, financial, and analytical insights into clear recommendations for senior leadership.
Develop and execute credit growth strategies with Retail, Digital, Loyalty, MCCS, and Citi.
Drive on-us and off-us card usage, account acquisition, cardholder engagement, and purchase frequency.
Lead FP&A for on-us sales, off-us sales, acquisitions, and new accounts.
Analyze performance and measure the incremental sales and financial impact of credit and loyalty initiatives.
Serve as a strategic finance and risk partner to senior leaders across Macy’s and Citi.
Lead and develop a high-performing team across risk analysis, financial planning, and growth strategy.
Drive cross-functional accountability against clear objectives and performance measures to deliver sustainable, profitable growth.

Benefits

Competitive pay and benefits.
Comprehensive health and wellness coverage.
401(k) match.
Paid time off.
Eight paid holidays.
Continuous learning and leadership development.
Colleague Resource Groups.
Volunteer opportunities.
Merchandise discounts.
Performance-based incentives.
Annual merit review.
Employee Assistance Program with mental health counseling and legal/financial advice.
Tuition reimbursement.