Role Specific Information

Job Description

About the Role

As Credit Risk Analyst II, you will conduct ad-hoc analysis/project implementation to enhance portfolio performance and develop models to forecast delinquencies, losses and revenues. Additionally, you could analyze portfolio risk of the Kohl's charge product while developing and implementing strategies that enhance revenues and mitigate losses for the portfolio.

What You’ll Do

• Review standard and intermediate ad hoc analysis requests from business partners for customer, program, offer and/or channel needs.

• Consult with business partners to identify primary and secondary business analyses and KPIs required to support business decisions

• Develop end-to-end project timelines for analysis deliveries

• Identify and collect primary and secondary data variables to holistically answer business questions

• Maintain an understanding of the structure and location of various data sources to be utilized

• Independently pull and manipulate data to determine results and develop data visualizations into relevant conclusions

• Identify and set up processes for data quality checks

• Execute setup and data pull for analyzing various credit programs, including A/B Testing

• Review relevant data sets and analyses to develop detailed and informed insights and implications to inform strategy and decisions

• Organize insights, data and visualizations into comprehensive stories for distribution to leadership partners in support of internal business decisions

• Create and analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money

• Develop forecasting loss models for delinquencies, contractual, and manual - dollars and units

• Develop forecasting revenue models – for interest, fees & outstanding - dollars and units

• Additional tasks may be assigned

What Skills You Have

Required

• Bachelor’s Degree or equivalent

• 2+ years’ experience in analytics

• Basic SQL and/or SAS skills

• Self-motivated with strong competence with data management, analytics and visualization

• Basic experience with Visualization Software like Looker, Tableau, Etc

Preferred

• Experience in modeling data using AI

• Master’s Degree or equivalent

• R/Python programming skills

• Retail or Financial services experience in Risk Management particularly Credit Card product

Essential Functions

The requirements listed below are representative of functions you will be required to perform, however you may be required to perform additional functions. Kohl’s may revise this job description from time to time. To perform this job successfully, you must be able to perform each essential function satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions, absent undue hardship.

• Ability to perform the accountabilities listed in the “What You’ll Do” Section

• Ability to maintain prompt and regular attendance as set by the company

• Ability to work at least 8 hours per day, occasionally longer when necessary to meet business needs, 5 days per week

• Ability to comply with dress code requirements

• Ability to learn and comply with all company policies, procedures, standards and guidelines

• Ability to give direction and receive, understand and proactively respond to direction from leadership and other company personnel

• Ability to work as part of a team and interact effectively and appropriately with others

• Ability to maintain composure and work in a fast paced environment while accomplishing multiple tasks within established timeframes

• Ability to satisfactorily complete company training programs

• Perform work in accordance with the Physical/Cognitive Requirements section

Physical/Cognitive Requirements:

• Ability to use a personal computer for tasks such as communicating, preparing reports, etc.

• Ability to plan, prioritize and monitor activities across business units

• Ability to complete or oversee the completion of assigned projects in a timely manner

• Ability to comply with health and safety standards