Bloomingdale's Director, Credit
- Own the new-account strategy and the application-to-approval funnel across store, site, app, and associate-assisted channels.
- Drive in-store acquisition through associate engagement - the value proposition, incentives, and enablement that make the card easy to present and easy to take.
- Set acquisition targets and own the performance against them - application volume, approval rate, and the quality of accounts acquired.
- Own the cardholder lifecycle - activation of new accounts, growth in cardholder spend and share of wallet, and retention of the existing base.
- Develop engagement strategies that increase active rate and frequency, moving cardholders from acquired to engaged to loyal.
- Build reactivation and retention programs for dormant and at-risk cardholders, grounded in cardholder economics.
- Own the card's value proposition - the benefit architecture, cardholder-exclusive moments, and the reasons a Bloomingdale's customer chooses to carry it.
- Design the cardholder benefit set in direct partnership with Loyalty so the card and the Loyallist program reinforce one another rather than compete.
- Keep the proposition competitive against the cards the Bloomingdale's customer also carries, and lead any refresh or rebrand of the cardholder value story.
- Serve as Bloomingdale's primary strategic owner of the issuer and co-brand relationship - representing Bloomingdale's interests in partner planning, benefit negotiations, and joint marketing.
- Operate effectively within the Macy's Inc. enterprise credit structure - influencing roadmap, funding, and prioritization on behalf of the Bloomingdale's brand.
- Build the working relationships and the cadence that keep Bloomingdale's credit priorities visible and resourced within the enterprise and with the issuer.
- Own the credit marketing calendar - acquisition and cardholder campaigns - and partner with CRM for execution across owned channels.
- Establish the reporting and KPIs that make credit performance legible to leadership: acquisition, active rate, cardholder spend, and retention.
- Ensure all credit marketing meets issuer, network, and regulatory compliance standards.
- Understand and articulate the economics of the card - the levers of program profitability and the contribution credit makes to the customer P&L.
- Translate credit profitability into a defined input for loyalty program economics, working with the Director, Loyalty to fund benefits and inform tier strategy.
- Partner with the measurement function on cardholder segmentation and LTV so credit decisions are made on lifetime economics.
- 8+ years in retail credit, co-brand or private-label card, financial-services marketing, or customer marketing with direct credit ownership; premium or specialty retail experience is an advantage.
- A track record growing a card portfolio - new accounts, active rate, cardholder spend, and retention.
- Experience managing an issuer or bank-partner relationship and navigating a matrixed or enterprise credit structure with influence rather than direct authority.
- A working command of credit economics - profit share, funding, and the levers that drive program profitability - enough to model contribution and defend a position.
- Working knowledge of credit-marketing compliance and regulatory requirements, and the judgment to operate cleanly within them.
- Strong cross-functional and partnership skills, with the credibility to represent Bloomingdale's in senior partner and enterprise conversations.
- Analytical rigor and fluency in customer economics and LTV.
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