Position Summary:

The role of the Credit Analyst is to provide accurate, timely and insightful financial and operational analysis, to identify and communicate expense savings opportunities, and to identify and implement process improvement opportunities for 3rd Party Credit and Gift card operations and throughout the organization.

Essential Functions/Responsibilities:

3rd party Credit cards/ Gift cards

  • Become a subject matter expert for assigned areas of responsibility

  • Develop and maintain expense forecasting models for areas of responsibility

  • Partner with Accounting Department & Expense Managers to understand monthly expense variances

  • Act as lead budget analyst for areas of responsibility, includes developing expense Guidelines, creating budget bridges, analyzing Manager Plans, and finalizing annual budgets

  • Facilitate the entry of the budget into the Hyperion planning system

  • Identify, quantify, and communicate risks and opportunities to budget

  • Identify, quantify, and assist in implementing expense savings ideas

  • Perform ad hoc analysis on all areas of the business as requested by the Manager and Director of FP&A

  • Prepare presentations of financial models and concepts aimed at driving inter-departmental collaboration

  • Identify process improvements within the Financial Planning Department, including but not limited to report reduction, process automation, improved use of technology, improved communication and data hand-off, and documentation of key assumptions

  • Prepare monthly reporting and analysis of all 3rd Party sales activity including interchange qualification levels and chargeback expense

  • Provide strategic thought leadership and influence business leaders to implement marketing strategies based upon financial and data driven insights

  • Prepare monthly reporting and analysis of gift card activity including sales, redemptions and dormancy income by store, region, division and total company

    Bankcard Processing

  • Accounts and reconciles daily all Company bankcard receipts ($1.1 billion annual)
  • Liaison with Sales Audit, Credit and IT departments
  • Liaison and system expert with Merchant processor and bankcard providers
  • Proactively reviews system controls and makes recommendations
  • Prepares and analyzes daily and monthly bankcard reporting

Assist with store deposit processes.


  • Comply with Cash Office/Sales Audit policies and procedures.
  • Work with Sales Audit to enforce procedures and minimize shortages.
  • Work with 3rd party check processor to correct store transaction errors and reduce customer service issues.
  • Four Year Degree, Finance or Business preferred

  • Three or more years Financial Analysis experience with a proven track record of career growth (retail a plus)

  • Demonstrated ability to create complex financial models

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