Sr. Analyst, Portfolio Risk and Monitoring

About this role

With a career at The Home Depot, you can be yourself and also be part of something bigger.

Position Purpose: The Senior Analyst, Portfolio Risk and Monitoring, is a key member of the team responsible for supporting the health and stability of the Pro Trade Credit portfolio. This role is focused on performing in-depth portfolio analysis, monitoring risk indicators, generating reports and insights, and assisting in the execution of risk mitigation strategies.

Key Responsibilities: • 25% - Collections and Disputes Management - Develop and maintain accurate collection status records for all accounts.  Resolve customer discrepancies and/or disputes and effect collection of delinquent accounts.  Recommend plans of action to resolve collection accounts and ensure timely & accurate processing of payments.  Recommend when accounts should be placed with outside agencies or attorneys for collection. • 25% - Customer Service - Directly communicate with customers and internal sales associates or leadership related to credit & collection matters verbally and in writing. • 25% - Drives Results - Ability to understand, identify, and influence results to help meet key performance metrics for individual and overall team goals.  Ability to propose solutions and identify areas for operational process improvements. • 25% - Manage Credit - Perform judgmental underwriting for large commercial customers credit needs in a timely, secure, sound, and consistent ability. Manage receivables & mitigate potential losses through sound credit management strategies & execution.  

Direct Manager/Direct Reports: • This Position typically reports to the Area Supervisor Trade Credit Services • This Position has up to 0 Direct Reports

Travel Requirements: • Typically requires overnight travel less than 5% of the time.  

Physical Requirements: • Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions, there may be a need to move or lift light articles.

Working Conditions: • Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.

Minimum Qualifications: • Must be 18 years of age or older • Must be legally permitted to work in the United States  

Preferred Qualifications: • Experience: 2-5 years of experience in credit risk, financial analysis, or a related field. • Technical Skills: High proficiency in data analysis and visualization tools (e.g., Excel, SQL, Tableau, Power BI). Experience with statistical modeling is a plus. • Analytical Mindset: Strong quantitative and analytical skills with the ability to interpret complex data and generate actionable insights. • Communication: Excellent written and verbal communication skills, with the ability to clearly present data and findings to management.

Minimum Education: • The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.  

Preferred Education: • The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.  

Minimum Years of Work Experience: • 2  

Preferred Years of Work Experience: • 2-5

Competencies: • Action Oriented • Collaborates • Drives Engagement • Communicates Effectively • Customer Focus • Drives Results • Manages Conflict

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