Sr. Manager, Trade Credit - Underwriting

Position Purpose:

Leads in defining and implementation of strategies to drive incremental credit and company sales and profits, oversees team that designs, tests and rolls out new financial programs, promotions, products or services. Focuses on developing strategy for new account generation, increasing sales from existing customers, improving operational efficiencies and/or the creation & implementation of new features/services that will enhance the customer experience. Works with other areas within Home Depot (including IT, Strategic Business Dev., AHS, PRO, etc.) to develop/implement credit programs that support strategic initiatives.

Key Responsibilities:

• 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.
• May include managing a staff to deliver multiple or large-scale strategic projects. Staff could include direct reports or associates of financial partner. Take an active role in the professional development of direct reports.
• May include P&L responsibility for particular programs or products. May require specialized knowledge of particular aspects of financial services such as consumer/commercial risk and underwriting or bankcard association programs. Work with Finance to set departmental and program budgets. Manage expenditures within approved department and program budgets.
• 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 to Sr Management and, if applicable, develop implementation strategies and budgets.

Direct Manager/Direct Reports:

• Typically reports to Director Credit Services
• Accountable for direct supervision of the work activities of others. In addition to personnel issues -- including selection, termination, performance appraisal and professional development of subordinates.

Travel Requirements:

• Typically requires overnight travel 5% to 20% 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:

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

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 education

Minimum Years of Work Experience:

• 7

Preferred Years of Work Experience:

• No additional years of experience

Minimum Leadership Experience:

• None

Preferred Leadership Experience:

• None

Certifications:

• None

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.
• 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.
• Ability to leverage data and analysis to craft a well-thought story utilizing Power Point.
• Demonstrated decisiveness and sound decision making skills and demonstrated strong results in managed projects
• Demonstrated strong results in managed projects