Senior Financial Analyst – Consumer Credit

At ADT, we’ve been in the business of helping save lives for more than 145 years. As the number one smart home security provider serving residential and business customers, our people are our most important asset. Headquartered in Boca Raton, FL and at more than 200 locations across North America, our employees help empower our customers to live more secure and confident lives. Join our team and help us protect what matters most. For more information, visit www.adt.com or follow us on Twitter, LinkedIn, Facebook and Instagram.

The Consumer Pricing & Credit team leads the development, operation, and evolution of pricing methods and strategies, monitoring pricing processes and the capture of sales and margin improvement while considering competitive factors and the strategic trajectory of the organization. We set the appropriate policies that govern price and promotional discounting and the extension of credit to various customer groups, balancing growth with profitability, and properly caring for the experience of our customers, sellers, technicians, and customer care representatives. 

This Sr. Analyst role will support the Consumer Pricing & Credit team and the Key Stakeholder teams mentioned above.   The role involves helping the organization set the appropriate policies to govern the extension of credit to various customer groups. 

Position Responsibilities: 

• Optimize, harmonize, and automate credit policy implementation across the consumer lines of business (Residential & Small Business)
• Document credit policies and drive implementation of proper systematic and managerial controls
• Produce scenario-based projections by customer type and risk profile based on proposed changes to credit guidelines and sales practices (involves financial modeling including DCF, NPV, Value Creation)
• Own/support relationships with key suppliers and vendors needed to extend and enforce credit policies (i.e., credit bureaus, risk assessors, CRM platform providers), including management of operational and capital budgets.
• Extract, join and clean data from various business intelligence, data warehouse, and financial system sources
• 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 attrition
• Provide recurring reporting on key credit-related metrics
• Present key findings to business leaders, with recommendations based on data-driven insights