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Role summary: The Senior Manager, Credit Strategy & Analytics, leads the development and execution of credit strategies, decisioning frameworks, and analytics that enable the sustainable growth of Marketplace Seller Services while minimizing credit losses. This role partners closely with Product, Data Science, Seller Services, Billing, Finance, and Engineering to develop scalable controls, influence strategic priorities, and operationalize risk mitigation capabilities. Responsible for driving complex cross-functional initiatives, evaluating emerging risks, and shaping the evolution of the Credit Risk function, the role fosters innovation, continuous improvement, and data-driven decision-making to strengthen Marketplace Payments and support long-term business growth.

About the team: The Marketplace Payments & Financial Services team enhances the Marketplace ecosystem by enabling reliable seller payouts, driving monetization, and expanding financial products while managing financial and compliance risks. The Credit Risk team supports sustainable growth by developing strategies, controls, and decision frameworks to identify and mitigate credit risk. Collaborating closely with Product, Seller Services, Data Science, Billing, Legal, and Operations, the team balances seller experience with responsible risk management. Operating in a fast-paced environment, it leverages data, analytics, and scalable decisioning to minimize credit losses, strengthen controls, and support innovative financial offerings and long-term business growth.

• Develop and execute credit risk strategies, decisioning frameworks, and policies that enable the sustainable growth of Marketplace Seller Services while minimizing credit losses.


• Partner cross-functionally with Product, Data Science, Seller Services, Finance, Billing, and Engineering to design, implement, and optimize scalable credit risk controls.


• Lead complex, end-to-end initiatives to develop credit limits, prepay strategies, reserves, service-level controls, and early warning capabilities.


• Leverage internal data, predictive models, and external risk signals to assess emerging risks, improve decision quality, and drive data-informed recommendations.


• Monitor portfolio performance, evaluate strategy effectiveness, and continuously refine credit risk decisioning to balance seller growth with responsible risk management.

• Experience developing and implementing credit risk, financial loss, or data-driven business strategies that balance growth with effective risk management.


• Proven ability to translate complex business challenges into scalable strategies, policies, and decisioning frameworks using analytical insights.


• Strong analytical and problem-solving skills with experience leveraging predictive models, internal data, and external risk signals to drive decisions.


• Demonstrated success leading complex cross-functional initiatives and influencing Product, Engineering, Data Science, Finance, and business partners.


• Excellent communication and executive presence, with ability to present recommendations, influence stakeholders, and build alignment across teams.


• Ownership mindset with a passion for innovation, continuous improvement, and building scalable capabilities in a fast-paced environment.

• Bachelor's degree in Business, Finance, Accounting, Statistics, or related field and 4 years' experience in data analytics or related field OR 6 years' experience in data analytics or related field.

• Certificate in business analytics, data mining, or statistical analysis, Statistical programming languages (for example, SAS, R)


• Masters: Business Administration, Masters: Information Systems, Masters: Statistics

1601 SE 10th St, Bentonville, AR 72716, United States of America

• At Walmart, we offer competitive pay as well as performance-based bonus awards and other great benefits for a happier mind, body, and wallet.


• Health benefits include medical, vision and dental coverage.


• Financial benefits include 401(k), stock purchase and company-paid life insurance.


• Paid time off benefits include PTO (including sick leave), parental leave, family care leave, bereavement, jury duty, and voting.


• Other benefits include short-term and long-term disability, company discounts, Military Leave Pay, adoption and surrogacy expense reimbursement, and more.


• You will also receive PTO and/or PPTO that can be used for vacation, sick leave, holidays, or other purposes.


• The amount you receive depends on your job classification and length of employment.


• It will meet or exceed the requirements of paid sick leave laws, where applicable.


• For information about PTO, see https://one.walmart.com/notices.


• Live Better U is a Walmart-paid education benefit program for full-time and part-time associates in Walmart and Sam's Club facilities.


• Programs range from high school completion to bachelor's degrees, including English Language Learning and short-form certificates.


• Tuition, books, and fees are completely paid for by Walmart.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment.

Benefits are subject to change and may be subject to a specific plan or program terms.

For information about benefits and eligibility, see One.Walmart.

• Bentonville, Arkansas US-30008: The annual salary range for this position is $90,000.00 - $180,000.00


• Sunnyvale, California US-11789: The annual salary range for this position is $117,000.00 - $234,000.00


• Additional compensation includes annual or quarterly performance bonuses.


• Additional compensation for certain positions may also include: Stock

Walmart and its subsidiaries are committed to maintaining a drug-free workplace and has a no tolerance policy regarding the use of illegal drugs and alcohol on the job. This policy applies to all employees and aims to create a safe and productive work environment.