Sr Consultant, Financial Products & Services (Prepaid)

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