Credit Risk Intern

About the Role

As Credit Risk Analyst II Intern, 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

Accountabilities

• 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.

About the Internship

• Dates: The internship is 10 weeks, beginning on Monday, June 7th and ending on Friday, August 13th, 2027.
• Location: This role is based out of our Corporate Office in Menomonee Falls, Wisconsin.
• Housing: Housing and transportation options will be provided for interns based out of the Corporate Office.
• Working Arrangements: As a Kohl’s intern, you’ll work in a hybrid-model, working in the office Monday-Thursday. Fridays are a flexible working arrangement date, where associates are able to work from home. However, for our interns, there are occasionally in person events on Fridays.
• Perks: There are many things that make the Kohl’s Internship an amazing opportunity & experience!
  • Team Support & Development: You will work alongside other interns, while also having a dedicated coach and manager to help you with daily work & your development.
  • Real Work: You will have the chance to contribute to real projects during your summer.
  • Fun: We want our interns to have fun! Whether it’s exploring Milwaukee with fellow interns at a Brewer’s Baseball game, walking along the Lake Michigan lakefront paths, or participating in a photo shoot at Kohl's Photo Studio – you’re sure to have a fun packed summer with Kohl’s!

What Skills You Have

Required

• Undergraduate Junior
• Excellent interpersonal and networking skills
• Strong written and verbal communication skills
• Self-motivated with strong competence with data management, analytics and visualization
• Ability to remain adaptable in a constantly changing environment
• Strong problem-solving skills
• Your major is probably something like:
  • Data Science
  • Computer Science
  • Business with an emphasis in Analytics
  • Economics

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 comply with dress code requirements
• Basic math and reading skills, legible handwriting, and basic computer operation
• Ability to maintain prompt and regular attendance and meet scheduling requirements as set by the company
• Ability to learn and comply with all company policies, procedures, standards and guidelines
• Ability to 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
• 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

Kohl’s is a leading omnichannel retailer with more than 1,100 stores in 49 states.

Kohl's business is built on a solid foundation of more than 60 million customers, a balanced brand portfolio, industry-leading loyalty and Kohl's Card programs, a convenient and accessible nationwide store footprint, and large digital business on Kohls.com and the Kohl's mobile app.