Lowe’s

Risk Finance & Analytics Lead

Lowe’s • $110K — $130K *
Mooresville, NC 28117In-Person
Finance & Insurance
5 - 7 years of experience
Today
Be an Early Applicant
Job Overview by Ladders

Qualifications

  • Bachelor’s degree in finance, accounting, risk management, data analytics, economics, or equivalent experience.
  • 7+ years in risk finance, financial planning, insurance finance, or related fields.
  • Proven experience in developing complex financial models and forecasts.
  • Ability to identify business drivers and translate data analysis into actionable insights.
  • Experience influencing cross-functional teams and leading analytical projects.

Responsibilities

  • Develop and enhance financial models for casualty loss forecasts and risk-financing decisions.
  • Analyze performance against forecasts and budgets, identifying drivers of variance.
  • Evaluate claim frequency, severity, and other cost drivers across various liability programs.
  • Create scenario and trend analyses to support strategic decisions.
  • Partner with actuaries to validate loss data and monitor emerging trends.
  • Develop tools to identify potential financial deterioration before it is reported.
  • Produce executive-level reports that translate complex data into business insights.

Benefits

  • Opportunity to work in a strategic role impacting financial and operational decisions.
  • Collaborative environment with cross-functional teams.
  • Access to advanced analytical tools and technologies.
  • Professional development opportunities in risk management and analytics.
  • Engagement in innovative projects that challenge traditional assumptions.
Full Job Description
Your Impact

The Risk Finance & Analytics Lead provides strategic, forward-looking financial and analytical insight for Lowe's casualty risk programs. This role develops models, forecasts and decision-support analyses that explain financial and claims performance, identify emerging risks and opportunities, and inform risk-financing, operational and strategic decisions. The role works across risk management, finance, accounting, safety, legal, operations, IT and external partners to connect claims activity and operational trends to financial outcomes. Success in this role requires the ability to move beyond reporting what happened to explain why it happened, what may happen next and what action should be taken. The Lead is expected to demonstrate intellectual curiosity, challenge assumptions, proactively identify areas for deeper analysis and bring forward new ideas, models and analytical approaches. The role also serves as a key risk management business and data subject-matter expert, helping translate casualty business needs and data relationships into scalable data lake, dashboard and analytical solutions.

What You Will Do
  • Develop and enhance financial models supporting casualty loss forecasts, insurance accruals, budgets, long-range plans, Total Cost of Risk and other risk-financing decisions.
  • Analyze performance against forecast, budget, actuarial expectations and prior periods; identify underlying drivers of variance and translate results into clear business implications and recommended actions.
  • Evaluate claim frequency, severity, reserve development, payment patterns, closures, litigation, large losses and other emerging cost drivers across workers' compensation, general liability and auto liability programs.
  • Create scenario, sensitivity and trend analyses to assess potential financial outcomes, challenge assumptions and support strategic and operational decisions.
  • Partner with external actuaries to validate loss and exposure data, evaluate assumptions, interpret reserve and loss-development results, reconcile actuarial liabilities to financial results, and monitor emerging development between formal studies.
  • Develop internal monitoring tools, leading indicators and analytical frameworks designed to identify potential financial deterioration or improvement before it is fully reflected in reported results.
  • Measure the financial and operational impact of claims strategies, vendor programs, clinical initiatives, process changes and other risk-management investments; develop business cases and post-implementation analyses to assess value and performance.
  • Produce executive-level reporting and decision support that clearly communicates performance, underlying drivers, outlook, risks, opportunities and recommended actions; translate complex actuarial, claims and financial information into practical business insights.
  • Serve as a key risk management partner to finance and accounting, supporting the integrity of casualty accruals, liabilities, forecasts, reconciliations, excess recoveries and financial reporting, including applicable financial controls, SOX and audit requirements.
  • Serve as the risk management business and data subject-matter expert for enterprise data lake, dashboard and analytical solutions; translate business requirements and casualty data relationships for technology and data partners, validate data definitions and business logic, and help ensure solutions accurately reflect financial and operational performance.
  • Strengthen data quality, model governance, documentation, controls and consistency across risk-finance reporting and identify opportunities to automate recurring analysis and improve the speed, accuracy and scalability of reporting and decision support.
  • Proactively identify questions requiring deeper analysis without reliance on predefined reporting requests; develop hypotheses, explore relationships across claims, operational and financial data, and brings forward new insights, models and analytical approaches.
  • Provide analytical support for insurance renewals, retention strategies, collateral, captive considerations and other risk-financing decisions, as needed.
  • Serve as a trusted advisor and functional leader across risk management and cross-functional partners; constructively challenge assumptions, influence decisions and convert analytical insight into action.

Minimum Qualifications
  • Bachelor’s degree in finance, accounting, risk management, data analytics, economics or related field or equivalent years of experience in lieu of education requirement, if applicable
  • 7+ years of progressively responsible experience in risk finance, financial planning and analysis, insurance finance, actuarial analysis, claims analytics, accounting, data analytics or a related field
  • Demonstrated experience developing and owning complex financial models, forecasts, scenario analyses, variance analyses or enterprise analytical processes
  • Demonstrated ability to independently identify business drivers, evaluate complex data and translate analysis into clear conclusions, recommendations and leadership-level communication
  • Experience influencing cross-functional stakeholders and leading analytical initiatives, projects, consultants, vendors or project teams

Preferred Skills/Education
  • Master’s degree in business administration or actuarial coursework or other relevant professional designation
  • Experience with workers' compensation, general liability, auto liability or other casualty programs; including loss development, IBNR, actuarial reserving, claim forecasting or insurance accounting
  • Experience partnering with technology or data teams to define business requirements and develop data lake solutions, dashboards, data products or enterprise reporting capabilities
  • Experience with Power BI, Business Objects, SQL, Python, SAS or comparable analytical and automation tools
  • ARM - Certification In Risk Management
  • Chartered Property Casualty Underwriter (CPCU)

About Lowe’s

Lowe's Careers

Joining Lowe's means becoming part of a team that is committed to fostering an environment of growth, innovation, and leadership. As one of the leading home improvement companies, Lowe's offers unparalleled job opportunities and a culture that values diversity and professional development. Work You'll Do At Lowe's, your work will directly impact our mission to help people love where they live. Whether you're involved in the direct sales process, product development, or customer service, your role will contribute to our industry-leading standards. Transform Your Career Leverage your skills and drive in a position that empowers you to lead projects and initiatives that redefine the retail experience. Lowe's is at the forefront of the industry, combining retail, technology, and customer service to create unique experiences for consumers. Join a team of dedicated professionals who are there to support your career aspirations and help you grow both personally and professionally. With over 300,000 team members, Lowe's is a place where you can cultivate a career filled with innovation and opportunities. Lowe's Professional Growth and Opportunities We are committed to the professional growth of every team member. Lowe's offers a variety of career paths and opportunities for advancement, including leadership roles in numerous departments. Whether you're seeking a part-time position or a full-time career, Lowe's provides the training and resources needed to advance and excel. Internship Programs Start your career with Lowe's through our dynamic internship programs. These opportunities provide hands-on experience and a chance to engage in meaningful work that impacts our business. Interns at Lowe's gain invaluable skills, work alongside experienced professionals, and are considered for full-time positions upon successful completion of the program. Benefits and Culture Lowe's is dedicated to maintaining a culture that promotes diversity and inclusion. We offer a comprehensive benefits package that supports the health, well-being, and financial security of our employees and their families. Benefits include health insurance, retirement plans, and employee discounts, among others. Networking and Innovation Stay connected and ahead in your career through Lowe's commitment to innovation and networking. Our team members have access to cutting-edge technology and are encouraged to think outside the box to solve challenges. Networking within the company is supported through various groups and initiatives, fostering connections that can lead to career advancement. Join Our Team Explore the job opportunities at Lowe's that match your skills and interests. We are always looking for passionate, curious, and solution-driven team players. Start your journey with Lowe's today and be part of a company that values hard work and dedication. Stay Up to Date Keep informed with the latest in career tips, company news, and industry insights—all from the people who work at Lowe's. Our careers blog provides valuable content that can help you navigate your professional journey. Job Alert Emails Customize your subscription to receive job alerts and insider tips tailored to your preferences. Discover the exciting and rewarding career opportunities that await at Lowe's. SEARCH LOWE'S JOBS At Lowe's, your career is in your hands. Build it with us and be part of a team that is changing the future of retail.
Learn more about Lowe’s
Size
200,000 employees
Market Cap
$120.3 billion
Industry
Real Estate & Construction
Net Income
$5.8 billion
Founded
1946
5 Year Trend
+8.2%
Revenue
$89.5 billion
NASDAQ
LOW
* Ladders Estimates

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