Troy A. Carrothers

With more than twenty years in the industry, Mr. Carrothers is responsible for leading the Kohl�s Card Program, managing Kohl�s credit operations, service centers and risk management for Kohl�s and non-Kohl�s Card business in-store and on-line.� These responsibilities include the full servicing for credit card issuance, underwriting, risk management, as well as support functions for Kohl�s omni-channel sales initiatives.Mr. Carrothers has held management and senior management leadership roles in investments, risk management, collections, finance, underwriting, customer service and credit operations in the U.S. and Latin America with Kohl�s, Citigroup, and Fidelity Investments.� Prior to entering the financial services industry, Mr. Carrothers worked in retail management.�As an active member of several charitable organizations for children (Junior Achievement, Bright, etc.), Troy is highly involved in the community.� He is also on the board of several professional and charitable organizations in Wisconsin and has previously worked as a part-time college professor.� Troy holds Bachelor�s and Master�s Degrees in business administration from the University of Texas at Arlington and Thunderbird School of Global Management.�