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 Lead Analyst – Credit Field Enablement serves as the strategic analytics owner supporting RCMs and Credit field leadership. This role designs and drives analytical frameworks that guide store prioritization, performance improvement, and field execution. This role also owns data readiness and data engineering required to support scalable Credit analytics, including dataset creation, metric standardization, and integration of multiple Credit data sources.

Roles & Responsibilities:

• Own design and evolution of Credit Health Dashboards and store performance views

• Develop store prioritization and outlier identification frameworks

• Partner with RCM leadership to translate field needs into analytical solutions

• Lead department-level credit attach and front-end efficiency analyses

• Collaborate with Promo Analytics and Strategy to align insights

• Design and maintain foundational datasets combining multiple Credit data sources

• Perform data modeling and transformation using SQL to enable scalable reporting and analytics

• Standardize Credit metrics and definitions across dashboards and use cases

• Partner with data engineering and platform teams as needed, while owning analytics-layer data preparation

• Enable Sr Analysts and Analysts by creating clean, reusable data layers

• Present executive-ready insights to Credit and Field leadership

• Drive documentation, knowledge management, and onboarding materials for Credit analytics

• Research, design, and develop applicable statistical approaches/models for specific business problems

Years of Experience:

• 6-9 years of relevant experience

Education Qualification & Certifications (optional)

Required Minimum Qualifications:

• Bachelor’s Degree plus 6+ years of analytics experience

• Strong experience in business analytics and stakeholder engagement

Skill Set Required

Primary Skills (must have)

• Strong business and analytical acumen

• Advanced analytics and problem-solving

• Power BI / SQL / Python/R/ Excel proficiency

• Strong SQL skills with experience building analytical datasets

• Data storytelling and executive presentation skills

• Ability to work independently and influence without authority Data-driven storytelling and executive communication

• Experience performing data transformations, joins, and aggregations across large datasets

• Ability to design data models that support dashboards and ad hoc analysis

• Power BI semantic model understanding (or equivalent)

• Strong analytical reasoning and business context awareness

• Experience 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

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.