Sr. Manager, Credit Finance

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 4^th 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

Macy's Inc.'s Credit Portfolio is comprised of 18 million loyal credit card customers across both Macy's and Bloomingdale's nameplates. This business unit provides the supermajority of Operating Income for Macy's Inc. annually, and funds retail investment and growth, making it a critical driver of enterprise financial strength in 2026 and beyond.

The Senior Manager, Credit Finance partners closely with the Credit Finance leadership team and is responsible for 1) accurately forecasting and reporting credit business financial results and 2) utilizing portfolio insights to shape high-priority strategic finance initiatives.

These tactics are aimed at growing loyalty credit customer acquisition, engagement, and retention across both Macy's and Bloomingdale's.

The ideal Senior Manager is curious, leverages a strong analytical foundation, possesses expertise in financial analysis, and maintains a customer-centric mindset - to make high-impact and lasting contributions at an iconic retail company.

What You Will Do

Credit Portfolio - Forecasting & Reporting

• Analyze retail and credit card business results and develop dynamic financial models to accurately forecast On-Us and Off-Us credit sales and new loyalty credit customer acquisitions, across all Macy's and Bloomingdale's channels.
• Accurately consolidate and contextualize Credit Portfolio performance for senior leadership during fiscal close - monthly, quarterly, and annually.
• Partner with Credit Finance and Credit Risk teams to diagnose drivers of evolving loyalty credit customer transaction behavior.

Strategic Finance

• Collaborate with Credit Marketing, Citibank, and American Express to design, execute, and measure credit business growth strategies that drive incremental profit for Macy's Inc.
• Leverage portfolio insights to identify hotspots, tradeoffs, and opportunities for strategic innovation - partnering closely with leadership across Stores, Digital, and Merchandising.
• Monitor and assess the effectiveness of current financial processes, providing recommendations for streamlining and simplification.
• Foster an environment of acceptance and respect that strengthens relationships, and ensures authentic connections with colleagues, customers, and communities.

Skills You Will Need

Financial Acumen: Strong expertise in financial analysis and modeling with precision

Analytical Expertise: Advanced quantitative skills with the ability to distill complex data into clear, decisionready insights, leveraging proficiency in tools like Excel, Tableau, and Power BI

Credit Portfolio Analysis: Understanding of credit concepts, products, and risk principles

Presentation Expertise: Proven experience translating complex data into compelling narratives for senior management

Communication: Exceptional skills in presenting insights and actionable recommendations to all levels of stakeholders

Strategic Vision: Ability to align credit and loyalty strategies with broader organizational objectives, influencing outcomes through insight and collaboration

Who You Are

• Candidates with a Bachelor's degree in Finance, Economics, Statistics, or equivalent work experience in a related field are encouraged to apply; MBA preferred.
• 8 plus years of experience in FP&A, Corporate Finance, Credit, Data Analytics or Loyalty, preferably in the retail industry.
• 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.

Join us and help write the next chapter in our story - Apply Today!

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.

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