Position Purpose:

　　The Sr. Analyst of Credit Services position is responsible for managing existing financing programs with third-party lenders and helping create the direction for developing and executing new products/programs for our customers. The role oversees key operational functions of the programs such as store / services training and events, ad hoc reporting, marketing efforts, process support, and contractual amendments. It also partners with IT to identify and implement various process enhancements that improve the customer experience, grow our financing programs, and increase sales.

　　Responsibilities:

　　Manage relationships with third-party lenders by coordinating business reviews and partnering with them to analyze various financial metrics and identify areas of opportunity.

　　Identify and evaluate new financing programs and products that support the needs of current or future customers, or that support new strategic initiatives. Assist with their design, development, prioritization, and implementation based on each initiative’s projected business case.

　　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.

　　Key Responsibilities:

　　25% Strategic Analysis/Problem Solving - Works to fully understand business; identify and implement process and organizational improvements. Plans and ensure execution of financial department objectives.

　　Responsible for preparing annual private label credit card budget for all products and business lines. Conduct financial planning for function and make appropriate recommendations.

　　25% Develop strategies that integrate financial products and services into core businesses and new strategic initiatives.

　　Own and manage projects to ensure timely completion and highest quality. Develop and execute detailed project design/ implementation plans.

　　25% Gather and analyze data for presentations for Sr. Management. Provide project support and guidance to other team members. Review and modify/approve their project plans and decisions as needed.

　　25% Evaluate financial and operational/quality results of new programs against predetermined goals. Determine whether programs should be rolled out, make recommendations to Sr. Management and, if applicable, assist in developing implementation strategies

　　Direct Manager/Direct Reports:

　　This postion typically reports to Senior Manager Credit Services or Manager Credit Services

　　This position has no Direct Reports.

　　Travel Requirements:

　　Typically requires overnight travel less than 10% of the time.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.Working Conditions:

　　Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.Minimum Qualifications:

　　Must be eighteen years of age or older.

　　Must be legally permitted to work in the United States.

　　Preferred Qualifications:

　　An understanding and knowledge of the principles/disciplines of the retail industry, and/or the financial services industry.

　　Program / Product Management - Ability to manage/coordinate multiple, simultaneous projects. Understands time management skills and uses those skills to deal with unplanned projects and interruptions.

　　Relationship Management – Ability to serve as the program liaison to numerous internal and external stakeholders, with the ability to win them over as active collaborators in driving the success of key projects. Must be able to network to identify required resources when necessary, and be able to lead collaborative, cross-functional meetings.

　　Analytical Skills - Ability to leverage data and analysis to craft a well-thought story and business case, and to work with Finance partners to test those hypotheses. Ability to work with Finance partners to respond to requests for ad hoc data, and to request / evaluate ad hoc reporting.

　　Communication Skills - Ability to draft concise but compelling e-mails and memos, and to verbally deliver presentations and business cases to gain support for prioritization of key strategic initiatives.

　　Strategic Thinking - Able to think strategically about business problems and opportunities and to focus efforts on projects that most closely support key company initiatives. Ability to demonstrate decisiveness and sound decision making skills.

　　Minimum Education:

　　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.Preferred Education:

　　No additional educationMinimum Years of Work Experience:

　　3Preferred Years of Work Experience:

　　No additional years of experienceMinimum Leadership Experience:

　　NonePreferred Leadership Experience:

　　NoneCertifications:

　　NoneCompetencies:

　　Very strong communication skills, both verbal and written. Sound decision-making skills.

　　Track record of successfully managing multiple, simultaneous projects.

　　Demonstrated excellence at project management for small-to-medium projects.

　　A strong grasp of Project Management skills and requirements gathering.

　　Able to strategically analyze business problems and opportunities. Exhibited ability to work independently.

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　　Regular Associate

　　We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local protected class.