Private Label Credit Card Strategist

Private Label Credit Card Strategist

Department: Retail Growth & Consumer Programs

Function: Consumer Financing

Job Title: Private Label Credit Card Strategist

Position Summary

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.

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.

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.

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.

Primary Responsibilities

PLCC Strategy & Program Growth

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

Financing Offer & Promotional Strategy

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

Program Performance & Analytics

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

Customer & Cardholder Strategy

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

Strategic Lender Partnership

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

Competitive & Market Intelligence

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

Cross-Functional Strategy & Execution

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

Qualifications

Education

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

Experience

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.

Knowledge, Skills & Abilities

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