Manager, Credit Risk

Expand Your Career PossibilitiesThank you for dedicating your time and talent to Lowe's. We want to give you more opportunities to learn and grow, so if you find a position you're interested in below, we encourage you to applyFind Your Home to More Possibilities.Do Your Best Work in MooresvilleThis 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 ImpactThe 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.What You Will DoLead 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 tradeoffsBuild 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.Minimum QualificationsBachelor's degree 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 applicable5+ years of experience in credit risk management, portfolio analytics, or financial services.5+ years of experience in retail, preferably in Home ImprovementAbout Lowe'sLowe's Companies, Inc. (NYSE: LOW) is a FORTUNE 100 home improvement company serving approximately 16 million customer transactions a week, with total fiscal year 2024 sales of more than $83 billion. Lowe's employs approximately 300,000 associates and operates over 1,700 home improvement stores, 530 branches and 130 distribution centers. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need.Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.