Manager, Credit - Financial Services - Full-time / Part-time

POSITION PURPOSE
The Manager reports to the Sr Manager – Financial Services (Margin). The role is part of a team responsible for the planning and analysis of credit related fees and programs that impact margin (e.g. deferred interest, extended service plans) and will be a key player in the design and implementation of reporting to support business needs related to the deferred interest portion of COGS Alignment (COGSA). COGSA is a cross functional initiative to drive better economic decisions across all channels, align Gross Margin and manage the business more holistically and increase visibility and accessibility to interconnected retail performance. The role requires strong financial, technical, analytical and data mining skills to continue to support this initiative and the related business partners throughout the implementation. This role also manages the planning and reporting for Home Depot Protection Plans (HDPP), Project Loan and the Home Improver card.

Additional responsibilities include the preparation and design of reporting that is critical to the development of new financial programs, promotions, products and services. There is regular interaction with many internal and external business partners including Credit Marketing, Financial Planning and Analysis, Merchandise Finance, Finance Integration, NEW and Citibank.

MAJOR TASKS, RESPONSIBILITES AND KEY ACCOUNTABILITIES

• Identify and evaluate new financial programs, promotions, products and services that support the needs of current or future customers, or that support new strategic initiatives or acquisitions. Manage or oversee their design, development and implementation based on projected profitability.
• Oversee the development and execution of detailed project design/ implementation plans. Utilize project management and people management skills to ensure timely completion of projects at the highest quality levels.
• Assess financial and operational/quality results of new programs against predetermined goals. Determine whether programs should be rolled out, make recommendations and, if applicable, develop implementation strategies and budgets.
• Work with Finance to set departmental and program budgets. Manage expenditures within approved department and program budgets.

NATURE AND SCOPE

• Typically reports to Senior Manager Credit Services
• Accountable for direct supervision of the work activities of others. Planning, monitoring and reviewing work of subordinates is required. This may include direct supervision of a shift or the coordination of multiple work groups. Makes recommendations concerning selection, termination, performance appraisal and professional development.

ENVIRONMENTAL JOB REQUIREMENTS

• Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.
• Typically requires overnight travel 5% to 20% of the time.

MINIMUM QUALIFICATIONS

• Must be eighteen years of age or older.
• Must be legally permitted to work in the United States.

Education Required:
The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.

Years of Relevant Work Experience: 6 years

Physical Requirements:
Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles.

Preferred Qualifications:

• Experience in product development and/or project management in credit or financial services preferred

Knowledge, Skills, Abilities and Competencies:

• A thorough working knowledge of the principles/disciplines of credit marketing, including Account Acquisition & Activation, Loyalty Marketing, Sales Promotion, etc. 
• A thorough understanding and knowledge of the principles/disciplines of the retail industry. 
• A strong grasp of Project Management skills and requirements. A proven record of developing new financial products and/or services. Able to manage/coordinate multiple, simultaneous projects. Understands Time Management skills and uses those skills to deal with unplanned projects and interruptions. Both demonstrates and teaches those skills to direct reports. Demonstrated strong results in managed projects 
• Ability to leverage data and analysis to craft a well-thought story utilizing Power Point. 
• Able to think strategically about business problems and opportunities and to focus efforts on projects that most closely support key company initiatives. 
• Very strong communication skills, both verbal and written. Demonstrated decisiveness and sound decision making skills.