Sr. Director, Credit Finance Risk and Growth

Macy's, Inc.; Deerfield Township (OH); On-site; USD 200,000 - 300,000; Full time

Benefits offered by this job

Merchandise discounts

Performance-based incentives

Annual merit review

Employee Assistance Program

Tuition reimbursement

Job summary

Macy’s, Inc. is seeking a Senior Director of Credit Finance Risk & Growth to lead risk strategy, analytics, and FP&A for both Macy’s and Bloomingdale’s portfolios, including American Express partnerships. You will translate complex data into executive recommendations and build a high-performing team.

You will partner with Citi, optimize underwriting and policy, drive growth initiatives, and own performance measures aligned with sustainable profitability across the enterprise.

Qualifications

• Bachelor’s degree or equivalent in a related field; MBA preferred.
• Proven track record in finance, risk management, or analytics for large retailers or financial partners.
• Experience leading cross-functional teams and communicating to senior leadership.

Responsibilities

• Lead credit risk strategy for Macy’s and Bloomingdale’s portfolios, balancing prudent risk with growth.
• Collaborate with Citi to optimize underwriting and account management strategies.
• Monitor credit quality and delinquencies to identify risks and opportunities.
• Drive FP&A for on-us/off-us sales, acquisitions, and new accounts.

Skills

Strategic partnering

Financial planning

Financial modeling

Business acumen

Executive communication

Leadership

Ethics & judgment

Problem solving

People development

Education

Bachelor’s degree or equivalent

MBA preferred

Job description

Be part of an amazing story.

Macy’s is more than just a store. We’re a story. One that’s captured the hearts and minds of America for more than 160 years. A story about innovations and traditions…about inspiring stores and irresistible products…about the excitement of the Macy’s 4th of July Fireworks, and the wonder of the Thanksgiving Day Parade. We’ve been part of memorable moments and milestones for countless customers and colleagues. Those stories are part of what makes this such a special place to work.

Be part of an amazing story.

Macy’s is more than just a store. We’re a story. One that’s captured the hearts and minds of America for more than 160 years. A story about innovations and traditions…about inspiring stores and irresistible products…about the excitement of the Macy’s 4th of July Fireworks, and the wonder of the Thanksgiving Day Parade. We’ve been part of memorable moments and milestones for countless customers and colleagues. Those stories are part of what makes this such a special place to work.

Job Overview

The Senior Director, Credit Finance Risk & Growth leads credit risk strategy, credit and loyalty analytics, and FP&A for on-us sales, off-us sales, acquisitions, and new accounts across Macy’s and Bloomingdale’s private label and American Express portfolios. In collaboration with Macy’s and Citi partners, the role optimizes underwriting, credit policy, account management, card usage, acquisition, engagement, and purchase frequency. The role translates complex risk, financial, and analytical insights into recommendations, develops a high-performing team, and drives cross-functional accountability to deliver sustainable, profitable growth.

What You Will Do

Credit Risk Management

• Lead credit risk strategy for Macy’s and Bloomingdale’s private label and American Express portfolios, balancing prudent risk management with growth.
• Partner with Citi to optimize underwriting, credit policy, and account management strategies across new and existing cardholders.
• Monitor credit quality, delinquencies, NCL trends to identify emerging risks and opportunities.
• Translate risk and financial insights into clear recommendations for senior leadership.

Credit, Loyalty Analytics and Growth

• Develop and execute credit growth strategies with Retail, Digital, Loyalty, MCCS, and Citi.
• Drive on-us and off-us card usage, account acquisition, cardholder engagement, and purchase frequency.
• Lead FP&A for on-us sales, off-us sales, acquisitions, and new accounts.
• Analyze performance and measure the incremental sales and financial impact of credit and loyalty initiatives.

Leadership and Business Partnership

• Serve as a strategic finance and risk partner to senior leaders across Macy’s and Citi.
• Lead and develop a high-performing team across risk analysis, financial planning, and growth strategy.
• Translate complex risk, financial, and analytical insights into clear executive recommendations.
• Drive cross-functional accountability against clear objectives and performance measures to deliver sustainable, profitable growth.

Skills You Will Need

Strategic Business Partnering

Ability to partner with Citibank, and senior leaders to shape risk and growth strategies, influence decisions, and drive measurable performance improvements.

Financial Planning, Budgeting & Forecasting

Proven capability to lead annual budget cycles and ongoing forecasts, identify risks and opportunities, and deliver variance analysis with clear corrective actions.

Financial Modeling & Decision Support

Strong skill in building financial models, scenario analyses, and decision frameworks that align Credit Business initiatives to enterprise goals and ROI outcomes.

Business Acumen

Understands how Credit risk and growth strategies drive customer engagement, credit card revenue, and connect to Macy’s Inc. performance.

Executive Communication & Influence

Ability to communicate with clarity and confidence across all levels, present complex financial insights in a decision-ready way, and influence outcomes in a complex matrix environment.

Trusted Leadership & Collaboration

Demonstrated ability to build credibility and trust with senior stakeholders through objective counsel, strong relationship management, and consistent follow-through.

Ethics, Integrity & Sound Judgment

Unyielding ethics and personal integrity, with strong judgment and the ability to set the right tone for teams and stakeholders.

Problem Solving & Agility

Ability to connect the dots quickly, diagnose issues early, and recommend practical solutions as business conditions change.

People & Talent Leadership

Demonstrated ability to lead, coach, and develop teams; motivate and retain high-performing talent; and build bench strength for critical finance capabilities.

Who You Are

• Candidates with a bachelor’s degree or equivalent work experience in a related field are encouraged to apply. MBA preferred.
• 10-plus years of related finance and/or risk management experience required, preferably with a department store retailer or partner bank.
• This role involves performing essential job functions such as communication, collaboration, and use of office and computer systems. Responsibilities include the ability to access and review written and electronic information, and to move within the work environment and interact with workplace materials as needed to carry out job responsibilities.
• Able to work a flexible schedule based on department and company needs.

What We Can Offer You

Join a team where work is as rewarding as it is fun! We offer a dynamic, inclusive environment with competitive pay and benefits. Enjoy comprehensive health and wellness coverage and a 401(k) match to invest in your future. Prioritize your well‑being with paid time off and eight paid holidays. Grow your career with continuous learning and leadership development. Plus, build community by joining one of our Colleague Resource Groups and make a difference through our volunteer opportunities.

Some Additional Benefits We Offer Include

• Merchandise discounts
• Performance-based incentives
• Annual merit review
• Employee Assistance Program with mental health counseling and legal/financial advice
• Tuition reimbursement

Access the full menu of benefits offerings here.

About Us

This is a great time to join Macy’s! Whether you’re helping a customer find the perfect gift, streamlining operations in one of our distribution centers, enhancing our online shopping experience, buying in‑style and on‑trend merchandise to outfit our customers, or designing a balloon for the Thanksgiving Day Parade, we offer unique opportunities to be part of some of the most memorable moments in people’s lives.

This job description is not all-inclusive. Macy's, Inc. reserves the right to amend this job description at any time. Macy's, Inc. is an Equal Opportunity Employer, committed to a diverse and inclusive work environment.

This position may be eligible for performance-based incentives/bonuses. Benefits include 401k, medical/vision/dental/life/disability insurance options, PTO accruals, Holidays, and more. Eligibility requirements may apply based on location, job level, classification, and length of employment. Additional benefit details are available at macysJOBS.com.