Manager-Credit Analytics

About Lowes

Lowes Companies, Inc. (NYSE: LOW) is a FORTUNE 50 home improvement company serving approximately 17 million customer transactions a week in the U.S. With total fiscal year 2022 sales of over $97 billion, approximately $92 billion of sales were generated in the U.S., where Lowes operates over 1,700 home improvement stores and employs approximately 300,000 associates. Based in Mooresville, N.C., Lowes supports the communities it serves through programs focused on creating safe, affordable housing and helping to develop the next generation of skilled trade experts.

For more information, visit Lowes.com.

About Lowes India: At Lowes India, we are the enablers who help create an engaging customer experience for our $97 billion home improvement business at Lowes. Our 4000+ associates work across technology, analytics, business operations, finance & accounting, product management, and shared services. We leverage new technologies and find innovative methods to ensure that Lowes has a competitive edge in the market.

To know more about Lowes India, visit Lowes.co.in.

About the Team: The Credit Analytics team supports Lowes Credit, Field (RCM), and Payments leadership by enabling data-driven decision making across credit performance, store prioritization, promotion effectiveness, and program execution. The team acts as a centralized analytics and enablement hub for Credit initiatives.

Job Summary:

The Manager Credit Analytics is responsible for leading the Credit Analytics function, setting strategic direction, and ensuring effective execution across analytics delivery and program enablement. This role owns prioritization, intake governance, and stakeholder alignment while guiding a team of analysts delivering insights for Credit leadership and field teams. This role is not a technical delivery or product management role, but a strategy, orchestration, and enablement role ensuring analytics and credit initiatives are executed with clarity, focus, and impact.

Roles & Responsibilities:

Core Responsibilities:

• Own the Credit Analytics roadmap, prioritization, and delivery governance
• Act as the primary analytics partner to Credit leadership, RCM teams, and Payments stakeholders
• Manage intake, prioritization, and tracking of Credit analytics and Credit program initiatives
• Provide leadership visibility into status, risks, and dependencies across initiatives
• Guide development of scalable dashboards, frameworks, and reporting solutions
• Ensure alignment between Credit Analytics, Promo Analytics, and Base Pricing areas
• Coach and develop a team of analysts; ensure quality, consistency, and business relevance of outputs
• Drive documentation, knowledge management, and onboarding materials for Credit analytics
• Research, design, and develop applicable statistical approaches/models for specific business problems

Years of Experience:

• 8-10 years of relevant experience

Education Qualification & Certifications (optional)

Required Minimum Qualifications:

• Bachelors Degree plus 8+ years of experience in analytics, finance, or business operations

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• Proven experience leading analytics or insight teams
• Strong stakeholder management and communication skills

Skill Set Required

Primary Skills (must have)

• Strong business and analytical acumen
• Experience prioritizing and managing multiple workstreams
• Ability to translate ambiguity into structured execution plans
• Experience working with senior stakeholders and cross-functional teams
• Data-driven storytelling and executive communication
• Experience in Pricing Analytics or Marketing Analytics or Retail Analytics or Credit Analytics

Secondary Skills (desired)

• Experience in Credit, Payments, or Financial Services
• Experience in Retail or Consumer-facing businesses
• Exposure to Power BI, SQL, or enterprise reporting environments
• Experience working in Global Operating Model
• Project Management experience

Lowes is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, 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 state or local law. Lowes wishes to maintain appropriate standards and integrity in meeting the requirements of the Information Technology Acts privacy provisions.