Innovate in Bengaluru

This position is based at our on-site office in Bengaluru. Lowe's offers an ultramodern work environment, complete with cutting-edge technology, collaborative workspaces, an on-site gym and clinic, and other perks to enhance your work experience. 

About Lowe’s

Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 50 home improvement company serving approximately 17 million customer transactions a week in the U.S. With total fiscal year 2022 sales of over $97 billion, approximately $92 billion of sales were generated in the U.S., where Lowe's operates over 1,700 home improvement stores and employs approximately 300,000 associates. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing and helping to develop the next generation of skilled trade experts.

For more information, visit Lowes.com.

At Lowe's India, we are the enablers who help create an engaging customer experience for our $97 billion home improvement business at Lowe's. Our 4000+ associates work across technology, analytics, business operations, finance & accounting, product management, and shared services. We leverage new technologies and find innovative methods to ensure that Lowe's has a competitive edge in the market.

To know more about Lowe's India, visit Lowes.co.in.

About the Team:

The Credit Analytics team supports Lowe’s Credit, Field (RCM), and Payments leadership by enabling data-driven decision making across credit performance, store prioritization, promotion effectiveness, and program execution. The team acts as a centralized analytics and enablement hub for Credit initiatives.

Job Summary:

The Senior Analyst – Credit Program Analytics is responsible for building and maintaining scalable analytics, dashboards, and trend analyses that support Credit program performance and optimization.

Roles & Responsibilities:

• Build and maintain Credit Health dashboards and 13-week trend views
• Analyze credit penetration, efficiency, and department-level performance
• Support Installed Sales and promotion-credit analytics (Phase 2 initiatives)
• Automate recurring reporting and ensure data quality
• Support ad hoc analyses requested by Credit leadership

Years of Experience:

• 4–7 years of relevant experience

Education Qualification & Certifications (optional)

Required Minimum Qualifications:

• Bachelor’s Degree plus 4+ years of analytics experience

Skill Set Required

Primary Skills (must have)

• Strong SQL, Excel, and Power BI skills
• Analytical problem-solving and attention to detail
• Experience handling large, multi-source datasetsExperience in Pricing Analytics or Marketing Analytics or Retail Analytics or Credit Analytics
• Experience analyzing credit portfolio metrics (approvals, delinquencies, losses, utilization)
• Solid understanding of credit lifecycle and basic financial concepts
• Strong curiosity and initiative — asks “why” behind the data
• Comfortable working across multiple programs (DIY, Pro, Payments, Risk) and time zones

Secondary Skills (desired)

• Retail or Financial Services analytics experience
• Process automation experience
• Exposure to credit bureau data and scorecard concepts
• Experience with collections or payments analytics
• Background in retail credit or bank portfolio reporting

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.