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Finance Officer III: Retail Services, The Home Depot Credit Program

Locations: Atlanta, Georgia Job Function: Finance Employee Status: Regular Job ID: 20151265

  • Provide financial leadership in the The Home Depot (THD) credit program. The Home Depot is one of the U.S.’ largest retailers and Citi Retail Services’ largest franchise client relationship.  Responsible for leading the Citi THD financial analysis team in the areas of pricing, investment decision support, expense management as well as partnering with external client and multiple functions within Citi.  Be a key leader in the ongoing development of THD program strategy.  Drive profitable growth in program assets, while optimizing return on capital and operating efficiency through insightful analysis and strategy development and evaluation.

    Essential Duties & Responsibilities Including Direct Reports

  • Responsible for the financial management of THD US and Canadian credit programs; play a key financial leadership role in Canadian legal vehicle governance
  • Serve as one of Citi’s senior leaders on joint Operating Committee in THD  program, which governs day to day management of programs, in addition to providing thought leadership around development, planning and execution of strategic initiatives to drive profitable growth
  • Work closely with Citi Risk, Control, Compliance and Operations, as well as THD  management team, to ensure strong internal control/compliance environment
  • Develop and implement capital optimization and financial strategy to drive asset and earnings growth. Partner with cross functional client teams around product, promotion and distribution initiatives to deliver sales and revenue growth
  • Recruit, develop and retain staff members to deliver value added financial analysis and decision support to drive business performance
  • Develop, review and approve all promotional pricing, marketing spend, program investment and partner subsidies
  • Ensure financial transactions between Citi and THD partner are in compliance with contract
  • Negotiate all co-investment and program subsidies with internal and external clients
  • Drive product, channel, and promotion specific profitability; make recommendations that balance growth and returns
  • Present financial results, plans, strategies, etc. to external client
  • Work closely with Citi Accounting Policy on accounting requirements for all aspects of partner agreements, changes, as well as with Citi Treasury on funding strategies and implications for the program
  • Extensively interact with external client, while effectively balancing shareholder and client interests

    Education and/or Experience

  • B.S. in Finance or Accounting
  • 15+ years of financial experience in credit card industry and/or financial services

    Knowledge, Skills and/or Abilities

  • Strong leadership skill and business acumen.  Executive presence; ability to interact and influence senior management of external client
  • Superior communication/presentation skills; ability to drive change and support for performance improvement across all functional areas
  • Strong analytical skills, as well as control and compliance mindset
  • Ability to work well under tight deadlines in a fast-paced, team-oriented, intense environment


Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - US


Time Type :Full time


Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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