Sr Manager Credit Risk

Brooklyn Park, Minnesota
Jan 08, 2019
Jun 06, 2019
Employment Status
Full Time
About us:
Target is an iconic brand, a Fortune 50 company and one of America's leading retailers.

The Financial and Retail Services (FRS) organization is close to the action when it comes to communication-whether with guests or Target team members. From guest service professionals and product designers, to vendor managers and financial and workforce management analysts, FRS comprises several key and high-visibility areas that elevate and nurture Target's distinctive reputation. We cultivate loyalty and satisfaction through exceptional service and support. And we foster a culture of responsive, knowledgeable and committed service-from the inside out-through enterprise services our people can count on.

Beyond our world-class service centers, there are many important challenges to be met in other FRS teams like the FRS Operations and Product Team, which plays at the intersections of process and technology, and Service Center Shared Operations (SCSO) which develops comprehensive service delivery strategies for our service centers. FRS Product Design manages and grows loyalty, frequency and other marketing programs for all Payment Cards (REDcard, GiftCard). The Credit Strategy and Compliance team manages the credit card program and related interactions with our bank partner, and includes the Credit Strategy, Credit Risk Underwriting and Compliance functions. And the FRS Controller heads up FRS Accounting and Financial Operations, including Accounting and Control, Retail Bankcard Services, Target Card Services, Fraud Prevention & Dispute Resolution.

As a Sr Manager Credit Risk you will evaluate, develop, and test underwriting strategies for new accounts and portfolio management, including approve/decline decisions, product selection, credit limit assignment and credit limit increases. The goal is to drive Target sales and optimize the profitability of the credit portfolio. The position requires strong data manipulation and analytical skills as well as the ability to present results to business partners and senior management. Job duties may change at any time due to business needs.

About you:
• Master's degree in quantitative field, e.g. statistics, mathematics, or economics
• Several years of professional experience in quantitative data analysis or credit risk management
• Advanced programming skills in at least one of the following languages: SQL, Python, SAS, SPSS, or R. Note that we are currently using SQL and SAS.
• Strong problem solving and analytical skills
• Strong communication skills


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