Risk Finance & Analytics Lead

This position is based at our headquarters in Mooresville, North Carolina. Our corporate office is a space where you can collaborate and do your best work. Take a walk, grab a bite (or a cup of coffee), work out or get a check-up – we invest in you so you can find your inspiration.

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.

• - Develop and enhance financial models supporting casualty loss forecasts, insurance accruals, budgets, long-range plans, Total Cost of Risk and other risk-financing decisions.
• - Analyse 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…