Private Label Credit Card Strategist

Job Description

Private Label Credit Card Strategist (ON-SITE)

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Department: Retail Growth & Consumer Programs

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Function: Consumer Financing

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Job Title: Private Label Credit Card Strategist

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Position Summary

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The Private Label Credit Card Strategist is responsible for developing and advancing strategies that drive the growth, performance and customer value of the company's private label credit card program.

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This role serves as a strategic partner across Consumer Financing, Marketing, Retail Operations, E-commerce, Analytics and the company's financing partner to identify opportunities that increase credit engagement, improve program performance and leverage financing as a tool to drive retail sales.

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The Strategist uses consumer, credit and retail performance insights to develop recommendations around financing offers, cardholder acquisition and engagement, application performance, promotional strategies and the overall cardholder experience.

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The position is designed to sit between strategy and execution : turning program data and business opportunities into actionable initiatives that improve both the customer financing experience and retail performance.

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Primary Responsibilities

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PLCC Strategy & Program Growth

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• Develop strategies to increase adoption and utilization of the private label credit card program.
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• Identify opportunities to grow cardholder acquisition, activation, repeat purchase, reactivation and overall engagement.
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• Evaluate opportunities to more effectively integrate credit into the retail customer journey across stores and e-commerce.
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• Develop recommendations for evolving the PLCC value proposition and positioning financing as a strategic retail growth lever.
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Financing Offer & Promotional Strategy

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• Partner with Retail Promotions and Marketing teams to develop compelling financing strategies and promotional offers.
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• Analyze the effectiveness of financing offers and recommend opportunities to optimize promotional structures.
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• Evaluate how financing promotions can support major retail events, category initiatives and broader sales strategies.
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• Partner cross-functionally to ensure financing offers are clearly communicated and effectively executed across customer touchpoints.
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Program Performance & Analytics

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• Monitor the overall health and performance of the PLCC program.
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• Analyze trends across key program measures such as application volume, approval performance, financed sales and financing-offer performance.
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• Partner with Business Intelligence and Analytics teams to develop reporting, dashboards and actionable insights using PowerBI.
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• Translate program data into clear recommendations for leadership and cross-functional partners.
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• Develop business cases and test-and-learn recommendations for new program initiatives.
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Customer & Cardholder Strategy

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• Identify opportunities to improve the customer experience throughout the credit journey.
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• Develop strategies that increase awareness and consideration of financing earlier in the shopping journey.
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• Identify opportunities to improve engagement with existing cardholders and encourage repeat purchases.
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• Evaluate customer and cardholder behaviors to identify actionable opportunities for growth.
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• Partner with Marketing teams on targeted cardholder communication and engagement strategies.
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Strategic Lender Partnership

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• Serve as a strategic partner to the primary PLCC financing provider on initiatives designed to improve program performance.
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• Develop and evaluate new program concepts, tests and growth initiatives.
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• Partner with the financing provider to identify performance opportunities and translate them into actionable recommendations.
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• Coordinate internal stakeholders around strategic lender initiatives.
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• Support business reviews and strategic planning discussions related to PLCC performance.
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Competitive & Market Intelligence

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• Monitor retail credit, promotional financing and private label credit-card trends.
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• Conduct competitive analysis of financing offers and credit strategies across the home furnishings and broader retail marketplace.
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• Identify emerging opportunities and recommend changes to strengthen the competitiveness of the financing program.
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• Translate market intelligence into practical recommendations for promotions, messaging and customer experience.
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Cross-Functional Strategy & Execution

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• Partner with Retail Operations, Marketing, E-commerce, Technology, Analytics and other teams to execute financing initiatives.
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• Help translate PLCC strategy into clear business requirements and implementation plans.
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• Support testing of new financing concepts, experiences and program capabilities.
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• Ensure initiatives are measured following implementation and provide recommendations based on results.
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Qualifications

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Education

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• Bachelor's degree in Business, Finance, Marketing, Analytics or a related field preferred.
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• Equivalent combination of relevant education and experience may be considered.
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Experience

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Recommended: 3-5+ years of experience in consumer financing, private label credit cards, retail financial services, payments, loyalty, retail strategy, analytics or a related discipline.

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Knowledge, Skills & Abilities

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• Strong analytical and strategic problem-solving abilities.
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• Ability to translate complex credit and retail performance data into clear business recommendations.
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• Strong understanding of retail economics, promotional financing and the customer purchase journey.
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• Ability to manage multiple strategic initiatives simultaneously.
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• Strong written and verbal communication skills with the ability to communicate recommendations to senior leaders.
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• Strong cross-functional collaboration and stakeholder-management skills.
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• Ability to work effectively with external financial partners.
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• High attention to detail combined with an ability to see the broader business opportunity.
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• Comfortable operating in a fast-paced retail environment with changing priorities.
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