Company Overview:

　　ADT has been in the business of helping save lives since 1874. As the #1 smart home security provider in the U.S., we help protect and connect families, businesses and larger commercial customer every day. Our continuous innovation, advanced technology and strategic partnerships deliver products and services that help protect life and valuables, whether at home, your business or on the go. And as times change, so do we. Above all, our mission is clear: we help save lives for a living. Looking for a career where you can make a real impact? Join our team today and put purpose behind your paycheck. #WeAreADT

　　Check out more about life at ADT here.

　　The Pricing and Consumer Credit team leads in the development, operation, and evolution of pricing methods and strategies. We oversee pricing policies and processes, ensuring the capture of sales and margin improvement while considering competitive factors and the strategic trajectory of the organization. We establish the necessary policies governing price and promotional discounting, as well as the extension of credit to various customer groups. This involves striking a balance between growth and profitability and ensuring a positive experience for both our customers and frontline workforce.

　　The Manager of Consumer Credit will play a pivotal role in supporting both the Pricing and Consumer Credit team and the mentioned key stakeholder teams, thereby contributing significantly to the overall success of the organization. In this capacity, the manager will take charge of formulating, implementing, and overseeing policies that guide the extension of credit to various customer groups and segments. This encompasses a meticulous assessment of risk profiles, creditworthiness, and financial standing, ensuring that credit facilities are extended judiciously and adhere to established standards and laws, striking the delicate balance between risk management, growth objectives, and delivering a superior customer experience.

　　In addition to their core responsibilities, the Manager of Consumer Credit will foster seamless coordination with key stakeholders and partners, leveraging their expertise to develop innovative solutions and initiatives that promote responsible credit practices. This will involve engaging in cross-functional dialogues, sharing insights, and aligning efforts to create a cohesive approach that meets the diverse needs of our customer base.

　　Responsibilities:

　　Collaborate with key stakeholders and partners to formulate, implement, and optimize credit policies, methods, and strategies used to guide the extension of credit to diverse customer groups, ensuring strict adherence to established standards and regulatory requirements. Coordinate with internal and external council to ensure our credit extension practices are sound and in compliance with regulatory frameworks. Produce scenario-based projections by customer type and risk profile based on proposed changes to credit rules and sales practices (involves financial modeling including sales conversion, DCF, NPV, Value Creation). Own the relationships with key suppliers and vendors used to extend and enforce credit policies (i.e., credit bureaus, risk assessors, CRM platform providers), including contract negotiation, reconciliation of invoices, and budget management. Work with large datasets from various business intelligence, data warehouse, and financial system sources to provide recurring reporting and analysis on key credit and risk related metrics impacting business performance. Define and execute tests to drive data-based enhancements to credit policies. Establish ongoing analysis of credit policies and partner funding guidelines to maximize cash flow to the business and to reduce customer attrition.

　　Qualifications:

　　A minimum of 5-7 years of related experience in a financial or other analytical role. Experience with consumer credit policies, risk management, and documentation. Experience in a subscription-based business preferred. High proficiency with excel and financial modeling, including discounted cash flow (DCF) modeling. Experience with Tableau, Power BI, or other data visualization tools preferred. Comfort with querying, joining, and manipulating large data sets. Ability to effectively break down complex analyses and concepts for a non-technical audience.

　　Education:

　　Undergraduate degree required (graduate degree preferred) with an emphasis in finance, risk management, analytics, statistics, or engineering.

　　ADT is an Equal Employment Opportunity (EEO) Employer. We celebrate diversity and are committed to building an inclusive team that represents a variety of backgrounds, perspectives, and skills. ADT strives to ensure every employee and applicant feels valued. Visit us at jobs.adt.com/diversity to learn more.