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: Working at Target means helping all families discover the joy of everyday life. We bring that vision to life through our values and culture. Learn more about Target here . The Financial Products and Services team aspires to create and lead the future of FP&S that elevate every Guest experience and drive Target’s long-term profitable growth. We manage and evolve financial products and services that strengthen guest loyalty, simplify financial experiences, and fuel Target’s growth. Our Circle Card team owns the day-to-day servicing and strategies associated with your Target Circle Debit, Target Circle Credit Card and Co-Branded Target Circle Mastercard Credit Card products. As a Sr. Manager, Credit Risk, you’ll work under the direction of a Director Credit Risk to use a risk/reward methodology to analyze credit and debit policies and strategy decisions, gather relevant internal and external data, use a variety of tools and techniques to perform statistical and financial analysis that create actionable decisions, implement strategic initiatives through an adaptive control methodology that leads to optimal performance and continual learning, and disseminate results through reporting and presentations to both senior management and impacted business lines. We’ll support you along the way with robust onboarding, as well as personal and career development, to help you grow as a strong Sr Manager, Credit Risk. The exciting part of retail? It’s always changing! Core responsibilities of this job are described within this job description. Job duties may change at any time due to business needs. About you: B.S. in Economics, Statistics, Engineering, Computer Science, or related field (Masters preferred) Minimum of 5 years of relevant financial services experience Knowledge of data analytics and reporting Strong written and verbal communication skills Experience in financial services industry and knowledge of best practices Collections, credit bureau reporting, or other operations experience a plus Benefits Eligibility Americans with Disabilities Act (ADA) In compliance with state and federal laws, Target will make reasonable accommodations for applicants with disabilities. If a reasonable accommodation is needed to participate in the job application or interview process, please reach out to candidate.accommodations@HRHelp.Target.com. Non-accommodation-related requests, such as application follow-ups or technical issues, will not be addressed through this channel.