Sr. Director, Credit Finance Risk and Growth

Macy's•Mason, OH

About The Position

The Senior Director, Credit Finance Risk & Growth leads credit risk strategy, credit and loyalty analytics, and financial planning and analysis 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 role translates complex risk, financial, and analytical insights into recommendations, develops a high-performing team, and drives cross-functional accountability to deliver sustainable, profitable growth. The position serves as a strategic finance and risk partner to senior leaders across Macy’s and Citi and leads a team spanning risk analysis, financial planning, and growth strategy. It works with Retail, Digital, Loyalty, MCCS, and Citi to develop and execute credit growth strategies and measure the incremental sales and financial impact of credit and loyalty initiatives. Candidates should have a bachelor’s degree or equivalent work experience in a related field. An MBA is preferred. More than 10 years of related finance and/or risk management experience is required, preferably with a department store retailer or partner bank. The role involves communication, collaboration, and use of office and computer systems; accessing and reviewing written and electronic information; and moving within the work environment and interacting with workplace materials as needed. A flexible schedule based on department and company needs is required.

Requirements

Bachelor’s degree or equivalent work experience in a related field.
10-plus years of related finance and/or risk management experience.
Ability to partner with Citibank and senior leaders to shape risk and growth strategies, influence decisions, and drive measurable performance improvements.
Proven capability in financial planning, budgeting, forecasting, and variance analysis.
Strong financial modeling, scenario analysis, and decision-support skills.
Business acumen connecting credit risk and growth strategies to customer engagement, credit card revenue, and Macy’s Inc. performance.
Ability to communicate complex financial insights clearly and influence outcomes in a complex matrix environment.
Demonstrated ability to build credibility and trust with senior stakeholders through objective counsel, relationship management, and follow-through.
Strong ethics, personal integrity, judgment, and ability to set the right tone for teams and stakeholders.
Ability to diagnose issues and recommend practical solutions as business conditions change.
Demonstrated ability to lead, coach, and develop teams, retain high-performing talent, and build bench strength.
Ability to work a flexible schedule based on department and company needs.
Ability to perform essential job functions involving communication, collaboration, office and computer systems, reviewing written and electronic information, and moving within the work environment as needed.

Nice To Haves

MBA.
Finance and/or risk management 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 for new and existing cardholders.
Monitor credit quality, delinquencies, and NCL trends to identify emerging risks and opportunities.
Translate risk and financial 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.
Lead annual budget cycles and ongoing forecasts, identify risks and opportunities, and deliver variance analysis with corrective actions.
Build financial models, scenario analyses, and decision frameworks that align Credit Business initiatives with enterprise goals and ROI outcomes.

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.