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.
A role in Financial Products & Services (FPS) means joining a high-impact team that designs and manages Target’s financial offerings—like Target Circle Card, Gift Cards, and Payments—to deliver intuitive, rewarding, and trusted experiences. You’ll drive transformation through innovation, digital engagement, and strong cross-functional collaboration, directly influencing enterprise strategy and Guest loyalty. From shaping strategy to managing P&Ls, your work helps position Target as a destination for simple, smart, and accessible financial solutions.
As a Sr. Consultant, Financial Products & Services (Prepaid), you will play a key role in driving the planning, execution, and performance of Target’s Prepaid program, including Target GiftCards and Open Loop offerings. This role is responsible for owning core business operations, including forecasting, vendor planning, and execution of growth strategies that support category performance across channels.
You will serve as a critical operator within the prepaid business, translating strategy into action through strong financial management, promotional execution, and cross-functional coordination. This role requires the ability to independently manage complex workstreams, make data-driven decisions, and adapt quickly to evolving business needs.
Working closely with partners across Marketing, Loyalty, Pricing & Promotions, Stores, Finance, Analytics, and external vendors, you will help ensure alignment and delivery of key initiatives. Success in this role requires strong analytical thinking, ownership mindset, and the ability to build trusted relationships while driving results.
Core Responsibilities of this job are described within this job description. Job duties may change at any time due to the business needs.
Core Responsibilities:
Planning, Forecasting & Business Performance
- Own monthly forecasting and financial planning processes for the prepaid category, using data and insights to drive accuracy and inform decision-making
- Monitor business performance, analyze trends, and identify opportunities to improve sales, margin, and operational efficiency
- Support P&L management through ongoing tracking, reporting, and performance analysis
Vendor Planning & Execution
- Lead vendor planning and execution across prepaid products, ensuring alignment to business priorities and financial goals
- Partner with external vendors to manage performance, optimize assortment, and identify growth opportunities
- Support vendor negotiations and ongoing relationship management in partnership with sourcing and cross-functional teams
- Developing merchandising strategies and creating planograms
- Develop and manage the gift card assortment
Promotions & Growth Execution
- Support development and execution of the prepaid promotional calendar, ensuring alignment with enterprise priorities and key business moments
- Support promotional initiatives across channels, coordinating with partners to define and deliver against sales and engagement goals
- Evaluate promotional performance and recommend optimizations based on data and insights
Cross-Functional Coordination & Delivery
- Partner across Marketing, Loyalty, Pricing & Promotions, Stores, Finance, Analytics, and external teams to drive alignment and execution of key initiatives
- Independently manage multiple workstreams with varying complexity, timelines, and stakeholders
- Identify and resolve operational challenges, streamlining processes to improve efficiency and execution
About you:
- Four Year Degree, preferably in Finance or Business related fields, or equivalent experience
- 4–6+ years of experience in category management, strategy, finance, or related fields
- Strong financial acumen with experience in forecasting, planning, or business performance management
- Demonstrated ability to manage complex workstreams and make independent, data-driven decisions
- Proven ability to build and maintain strong cross-functional and external partnerships
- Strong analytical, problem-solving, and critical thinking skills
- Excellent communication skills with the ability to translate data into clear insights and actions
- Ability to operate effectively in a fast-paced, ambiguous environment
- Experience in retail, payments, prepaid, or financial services preferred
Benefits Eligibility
Please paste this url into your preferred browser to learn about benefits eligibility for this role: https://tgt.biz/BenefitsForYou_DAmericans 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 [email protected]. Non-accommodation-related requests, such as application follow-ups or technical issues, will not be addressed through this channel.
Skills Required
- Four Year Degree, preferably in Finance or Business related fields, or equivalent experience
- 4-6+ years of experience in category management, strategy, finance, or related fields
- Strong financial acumen with experience in forecasting, planning, or business performance management
- Demonstrated ability to manage complex workstreams and make independent, data-driven decisions
- Proven ability to build and maintain strong cross-functional and external partnerships
- Strong analytical, problem-solving, and critical thinking skills
Target Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Target and has not been reviewed or approved by Target.
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Healthcare Strength — Health benefits are accessible to hourly team members at relatively low hour thresholds and include no‑cost, 24/7 virtual medical care and expanded mental‑health support. This breadth is positioned as a relative strength compared to typical retail offerings.
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Retirement Support — Retirement programs include a dollar‑for‑dollar 401(k) match with immediate vesting and options like Roth 401(k) and stock purchase. These features strengthen long‑term savings for a wide range of roles.
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Parental & Family Support — Family support includes paid family leave, backup care, and reimbursements for adoption and surrogacy. These resources complement paid time off and holidays for eligible team members.
Target Insights
What We Do
Target is an American retailing company providing access to a wide selection of products such as furniture, electronics, toys, and more. Target is one of the world’s most recognized brands and one of America’s leading retailers. We make Target our guests’ preferred shopping destination by offering outstanding value, inspiration, innovation and an exceptional guest experience that no other retailer can deliver. Target is committed to responsible corporate citizenship, ethical business practices, environmental stewardship and generous community support. Since 1946, we have given 5 percent of our profits back to our communities. Our goal is to work as one team to fulfill our unique brand promise to our guests, wherever and whenever they choose to shop.
