sr manager risk modeling & analysis(remote or hybrid)

Key Skills

Data science techniques, Machine learning techniques, Python Programming, R Programming, SAS, SQL

Job Description

The pay range is $124,100.00 - $223,400.00

Pay is based on several factors which vary based on position. These include labor markets and in some instances may include education, work experience and certifications. In addition to your pay, Target cares about and invests in you as a team member, so that you can take care of yourself and your family. Target offers eligible team members and their dependents comprehensive health benefits and programs, which may include medical, vision, dental, life insurance and more, to help you and your family take care of your whole selves. Other benefits for eligible team members include 401(k), employee discount, short term disability, long term disability, paid sick leave, paid national holidays, and paid vacation. Find competitive benefits from financial and education to well-being and beyond at https://corporate.target.com/careers/benefits.

About Us:

As a Fortune 50 company with more than 350,000 team members worldwide, Target is an iconic brand and one of America's leading retailers.

Working at Target means the opportunity to help all families discover the joy of everyday life. Caring for our communities is woven into who we are and we invest in the places we collectively live, work and play. We prioritize relationships, fuel and develop talent by creating growth opportunities, and succeed as one Target team. At our core, our purpose is ingrained in who we are, what we value, and how we work. It’s how we care, grow, and win together.

The Financial and Retail Services (FRS) organization is close to the action—whether with guests or Target team members. FRS comprises several key high-visibility areas that elevate and nurture Target’s distinctive reputation including: guest and team member service centers, service delivery strategies, world-class payment products that grow loyalty (RedCard, Target GiftCards, third-party gift cards, etc.), and bank program functions including credit risk, compliance, accounting, financial operations, and fraud prevention. We cultivate loyalty and satisfaction through exceptional products, services, and support. We also foster a culture of responsive, knowledgeable and committed service—from the inside out—through enterprise services our guests and teams can count on.

A Sr. Manager Risk, Modeling & Analytics will have a breadth of skills and experience across data analysis and risk management to build high quality strategies and methodologies that enable data driven decision making at Target. They will help advance Target’s Credit Card Strategy through technical creativity, curiosity, drive, continuous learning, and collaborative problem solving while championing an inclusive and ethical organization.

As a Sr Manager focusing on Credit Risk Strategy you will 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.

Core responsibilities of this job are described within this job description. Job duties may change at any time due to business needs.

About You:

• Master’s degree in Quantitative disciplines (Statistics, Mathematics, Computer Science, Economics, Engineering, Data Science)
• 5+ years of professional experience or equivalent industry experience with expertise in one or more of the following areas: application underwriting, credit limit management, collections strategies, fraud strategies, payments, banking, ACH

• Experience in using advanced statistical techniques like regression, clustering, decision trees, forecasting (time series), machine learning etc.
• Passion for solving interesting and relevant real-world problems using a data science approach
• Strong analytical thinking skills. Ability to creatively solve business problems, innovating new approaches where required
• Strong hands-on programming skills in SAS, SQL, Python, R
• Ability to produce reasonable documents/narrative suggesting actionable insights
• Excellent communication skills
• Self-driven and results oriented
• Strong team player with ability to collaborate effectively with internal and external partners

This position may be considered for a Remote or Hybrid (known internally at Target as Flex for Your Day) work arrangement based on Target's needs.  A Remote work arrangement means the team member works full-time from home or an alternate location that's not a Target location, does not have a desk at a Target location and may travel to HQ up to 4 times a year.  A Hybrid/Flex for Your Day work arrangement means the team member's core role may be performed either remote or onsite at a Target location depending upon what your role, team and tasks require for that day. Work duties cannot be performed outside of the country of the primary work location, unless otherwise prescribed by Target.

Americans with Disabilities Act (ADA)