District Credit Manager

Your Impact
The District Credit Manager position is responsible for execution of Lowe's DIY and Pro Credit products across the assigned Districts in each region. The primary purpose of this role is to grow retail sales through Lowe's Credit products while achieving performance targets for credit applications, credit sales, and credit penetration. In this role, the District Credit Manager will build and maintain relationships from front line store associates up to and including District Managers and the corresponding district teams and partners. Customer interaction is a critical component of this role.
What You Will Do

• Work with district leadership to develop and implement strategic plans to achieve credit performance targets and communicate results.
• Models effective credit-selling behaviors and provides hands-on coaching and training to build associate confidence in offering Lowe’s Credit during every sales transaction.
• Hosts weekly calls and participates in stores walks to ensure locations are prepared to execute promotional activities and new credit initiatives.
• Collect and communicate credit market intelligence to support business decision making.
• Analyze local and territory performance trends using company reporting and ad-hoc analyses to identify credit opportunities and emerging risks as well as recognize performance.
• Develop and maintain relationships with other district and regional field leaders and business partners within assigned territory, resolving credit issues as necessary.
• Partners with lending providers to assess business risk, protect Lowe’s reputation, customers, and assets, and support compliance with applicable laws, regulations, and company policies. Escalates, manages, and reports control issues with transparency.

Minimum Qualifications

• Bachelor’s degree Business, communications or related field or equivalent years of experience in lieu of education requirement, if applicable
• 7 Years experience in retail operations/ sales/ credit
• 5-7 years combined experience in retail sales or credit in lieu of degree and experience requires in sales / credit

Starting rate of pay may vary based on factors including, but not limited to, position offered, location, education, training, and/or experience. For information regarding our benefit programs and eligibility, please visit https://talent.lowes.com/us/en/benefits.

Associate Benefits (https://talent.lowes.com/us/en/joining-our-team)

• Working at one of the largest retail companies has its perks. We offer exceptional benefits and wellness programs for eligible full-time and part-time associates, tailored for many different lifestyles. Our benefits range from health, vision and dental insurance to paid vacation, tuition assistance and parental and family-building benefits. Plus, we offer learning and development opportunities to help our associates grow their skills and achieve their goals.

• Health, Dental and Vision insurance

• Life and Disability insurance

• Paid time off based on role, tenure, and locality, including vacation, holidays, sick and volunteer time

• Flexible spending and health savings accounts

• 401(k) Retirement account with company match

• Employee Assistance Program with concierge, work/life services and no-cost counseling for all kinds of needs

• Education support programs, including tuition assistance and trade skills scholarships

• Business Travel Accident insurance

• Maternity and Parental leave

• Adoption assistance

• Lowe's Associate Discount and broad discount platform

• Other discretionary benefits (based on eligibility) include annual bonuses, enrollment in Lowe's Employee Stock Purchase Plan and/or deferred compensation plan, and grant awards

About Lowe’s

Lowe’s Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company with total fiscal 2025 sales of more than $86 billion. Lowe’s employs approximately 300,000 associates and operates over 1,750 home improvement stores, 540 branches and 120 distribution centers. Based in Mooresville, N.C., Lowe’s supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.  

Lowe’s is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.