Lead the strategic direction for existing credit card customers within Kroger. This individual is responsible to drive sales for the card and is solely responsible to create a great customer experience. They will provide leadership to drive the sales growth strategy for the credit card business and drive sales targets and OP for Kroger Personal Finance. The ideal candidate will focus on the customer experience and drive incremental sales by creating and testing unique offers with internal and external partners. This candidate is a strategist and an operator who has worked with cross functional teams and has a history working with external partners. Demonstrate the company’s core values of respect, honesty, integrity, inclusion and safety.
Responsibilities- Develop long term existing customer strategy, including new offers and/or features by assessing competition, customer needs, and research findings
- Develop business cases to marketing offers to existing customers by identifying needs, analyzing options and assessing expected return on investment
- Create annual plan and lead initiatives to drive sales and maintain attrition profitably
- Use data driven strategies and A/B testing with partner to optimize spend and budget
- Collaborate with internal partners such as Marketing, cross functional teams and external partners
- Implement programs, including working internally and with external partners across multiple channels to hit goals
- Manage forecasting and KPI’s, develop campaign analysis and incentive strategies related to sales
- Maintain awareness of competitive landscape to inform program and feature development, including future product development
- Communicate, promote and execute KPF programs and initiatives throughout Kroger and divisional teams
- Partner with all business lines at KPF to deliver the level of execution at store level that is necessary to meet the financial targets
- Travel to meet with internal and external partners
- Must be able to perform the essential job functions of this position with or without reasonable accommodation
Minimum
- 5+years of experience leading people or working with external partners
- 5+ years retail, merchandising or financial services experience
- 5+ negotiation experience with external partners
- Deep understanding of P/L drivers
- Demonstrated accuracy and attention to detail
- Excellent oral and written communications skills
- Strong skills in leadership, interpersonal relationship building
- Bachelor’s degree
Desired
- MBA
What you’ll receive from us:
The Kroger Family of Companies offers comprehensive benefits to support your Associate Well-Being, including Physical, Emotional, Financial and more. We'll help you thrive, with access to:
- A wide range of healthcare coverage, including affordable, comprehensive medical, dental, vision and prescription coverage, through company plans or collective bargaining agreement plans.
- Flexible scheduling in full- and part-time roles with paid time off, including holiday and sick pay based on eligibility and length of service.
- Emotional and financial support with free counseling through our Employee Assistance Program and free, confidential financial tools and coaching with Goldman Sachs Ayco.
- Valuable associate discounts on purchases, including food, travel, technology and so much more.
- Up to $21,000 in tuition reimbursement over your career, through our industry-leading Continuing Education program.
- Vast potential for growth, through an abundance of industry-leading training programs and diverse career pathways.
Skills Required
- 5+ years of experience leading people or working with external partners
- 5+ years of retail, merchandising, or financial services experience
- 5+ years of negotiation experience with external partners
- Deep understanding of P/L drivers
- Accuracy and attention to detail
- Excellent oral and written communication skills
- Strong leadership and interpersonal relationship-building skills
- Bachelor’s degree
- MBA
Kroger Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Kroger and has not been reviewed or approved by Kroger.
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Healthcare Strength — Healthcare coverage in many union divisions has been protected or improved in recent contracts, with some regions avoiding proposed cuts and others expanding spousal coverage and strengthening short‑term disability. Mental‑health resources and 24/7 access are also emphasized, supported by third‑party recognition in recent years.
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Retirement Support — Retirement options include a company 401(k) with a match and, in many union roles, access to pension or variable annuity plans that have been stabilized through recent agreements. Match levels and pension participation vary by division and role, so specifics require local confirmation.
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Wellbeing & Lifestyle Benefits — Education assistance through “Feed Your Future” offers substantial tuition support for both part‑ and full‑time associates, alongside free financial coaching. Perks such as associate discounts and periodic Boost membership offers add incremental value to total rewards.
Kroger Insights
What We Do
At Kroger, we believe no matter who you are or how you like to shop, everyone deserves affordable, easy-to-enjoy, fresh food. This idea is embodied in our simple tagline—Fresh for Everyone™. Kroger ranks as one of the world’s largest retailers. We are nearly half a million associates across 2,800 stores in 35 states operating two dozen grocery retail brands and 34 manufacturing and 44 distribution locations, all dedicated to living our Purpose: to Feed the Human Spirit™. Together, we serve more than 11 million customers daily in our stores and online through convenient e-commerce options like pickup, ship and delivery, serving America through food inspiration and uplift. Customers love Our Brands, including the popular Kroger®, Private Selection® and Simple Truth® brands. Our own manufacturing plants produce many of Our Brands products, including breads, dairy products, meat and thousands of grocery items. We also believe in and are committed to doing our part to create #ZeroHungerZeroWaste communities by 2025.
