Senior Analyst, Credit Portfolio

Senior Analyst, Credit Portfolio

Deerfield Township, OH, United States

Full time Schedule

$85,800 - $143,000 Annually*

* based on job, location, and schedule

Bring Your Amazing Self to Work

At Macy's, Inc. we're on a mission to create a brighter future with bold representation for all. This is our Mission Every One. We know that each person here is unique. So we respect and invest in each individual to create growth, pride, and satisfaction. If we are able to bring our whole selves to work, it translates into a more abundant and wider array of ideas and energy for all to benefit from. Our success will be built on amazing colleagues, working together.

Job Overview

The Senior Analyst, Credit Portfolio 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 Senior Analyst 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.
• 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

• Dedicated to fulfilling ideals of diversity, inclusion, and respect that Macy’s aspires to achieve every day in every way.
• 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

• An inclusive, challenging, and refreshingly fun work environment
• Competitive pay and benefits rooted in principles of equity
• Performance incentives and annual merit review
• Merchandise discounts
• Health and Wellness Benefits across medical, dental, vision, and additional insurance
• Retirement Savings Plan with 401k match opportunity
• Employee Assistance Program (mental health counseling and legal/financial advice)
• Resources for continuous learning, career growth, and leadership development
• 8 paid holidays
• Paid Time Off (first year prorated depending on start date)
• Tuition reimbursement program
• Colleague Resource Groups (CRGs) and give-back/volunteer opportunities
• Empowerment and autonomy to perform impactful work with tangible results

About Macy’s

Now is an exciting time for a Macy's career as we continue to focus on creating exciting and memorable experiences for every Macy's customer, whether their journey starts online or in the store. Our opportunities in Sales, Merchandise, Operations, Customer Service, Warehouse, Marketing, and other areas let you express your creativity and commitment to excellence, grow your career and make a difference to your Macy's colleagues and customers.

Bring your creativity, energy, and ideas to the Macy's team – 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.

Senior Analyst, Credit Portfolio

Deerfield Township, OH, United States

Full time Schedule

$85,800 - $143,000 Annually*

* based on job, location, and schedule

Bring Your Amazing Self to Work

At Macy's, Inc. we're on a mission to create a brighter future with bold representation for all. This is our Mission Every One. We know that each person here is unique. So we respect and invest in each individual to create growth, pride, and satisfaction. If we are able to bring our whole selves to work, it translates into a more abundant and wider array of ideas and energy for all to benefit from. Our success will be built on amazing colleagues, working together.

Job Overview

The Senior Analyst, Credit Portfolio 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 Senior Analyst 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.
• 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

• Dedicated to fulfilling ideals of diversity, inclusion, and respect that Macy’s aspires to achieve every day in every way.
• 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

• An inclusive, challenging, and refreshingly fun work environment
• Competitive pay and benefits rooted in principles of equity
• Performance incentives and annual merit review
• Merchandise discounts
• Health and Wellness Benefits across medical, dental, vision, and additional insurance
• Retirement Savings Plan with 401k match opportunity
• Employee Assistance Program (mental health counseling and legal/financial advice)
• Resources for continuous learning, career growth, and leadership development
• 8 paid holidays
• Paid Time Off (first year prorated depending on start date)
• Tuition reimbursement program
• Colleague Resource Groups (CRGs) and give-back/volunteer opportunities
• Empowerment and autonomy to perform impactful work with tangible results

About Macy’s

Now is an exciting time for a Macy's career as we continue to focus on creating exciting and memorable experiences for every Macy's customer, whether their journey starts online or in the store. Our opportunities in Sales, Merchandise, Operations, Customer Service, Warehouse, Marketing, and other areas let you express your creativity and commitment to excellence, grow your career and make a difference to your Macy's colleagues and customers.

Bring your creativity, energy, and ideas to the Macy's team – 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.