With a career at The Home Depot, you can be yourself and also be part of something bigger.
Position Purpose:Works with partners at Citibank to provide strategic direction in the design, development, and implementation of all credit risk and underwriting strategies related to Home Depot's private label credit products.
Key Responsibilities:
- 25% Lead team of Associates which works with Citi to proactively provide strategic direction and tactical input into the development and implantation of risk strategies and related policies and procedures which support continued sales growth and portfolio profitability across all private label credit products.
- 25% Monitor strategy and portfolio performance trends and recommend changes to improve performance.
- Monitor industry and economic trends to assess impacts to private label portfolio.
- 25% Oversee the development and execution of detailed project plans, utilizing project management and people management skills to ensure timely completion and flawless execution.
- Represent THD in any Credit Policy contract negotiations with current or potential partners.
- 25% Lead the Line Accommodation Program Committee
- May include managing a staff of direct reports or associates of financial partner to deliver strategic projects that have P&L implications
Direct Manager/Direct Reports:
- This position reports to VP, Credit Services.
- This position has 2 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:
- 6-8 years in Credit Risk Management
- Consumer and Commercial underwriting experience
- 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:
- 8
Preferred Years of Work Experience:
- No additional years of experience
Minimum Leadership Experience:
- None
Preferred Leadership Experience:
- None
Certifications:
- None
Competencies:
- None
Skills Required
- Must be eighteen years of age or older
- Legally permitted to work in the United States
- Bachelor's degree or equivalent in a related field
- Minimum 8 years of work experience
- 6-8 years in Credit Risk Management
- Consumer and Commercial underwriting experience
- Experience in product development and/or project management in credit or financial services
The Home Depot Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about The Home Depot and has not been reviewed or approved by The Home Depot.
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Retirement Support — A 401(k) plan with company matching supports long-term savings alongside core pay. Retirement programs are consistently positioned as a meaningful part of total compensation.
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Equity Value & Accessibility — An Employee Stock Purchase Plan enables discounted stock ownership as a core element of compensation. Equity opportunities complement wages and are accessible beyond full-time salaried roles.
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Strong & Reliable Incentives — Profit-sharing and store-performance bonuses offer additional earnings opportunities beyond base pay. Incentive programs are described as recurring and tied to store results.
The Home Depot Insights
What We Do
The Home Depot, the world’s largest home improvement specialty retailer, values and rewards dedicated, knowledgeable and experienced professionals. We operate over 2,200 retail stores in all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, Canada and Mexico. All of our associates have one thing in mind — helping our customers build and improve upon their homes. Join The Home Depot team today and see for yourself why we are consistently ranked as a top Fortune 500 company.
