Job Description:

Role Summary/Purpose:

In this role, you will drive credit management activities on some of the key portfolios in lifestyle platform, with $3.7B assets and $2.2B in credit sales annually. This role includes credit and operational risk evaluation; delinquency, loss and fraud mitigation; enforcement of credit policies; portfolio monitoring; input into deal structure and pricing and new program evaluation. This role acts as the key Credit interface to the client and client teams and requires extensive cross functional interaction including leadership and support of business and functional initiatives.

We’re proud to offer you choice and flexibility. You have the option to be remote, and work from home, or come into one of our offices. You may be occasionally requested to commute to our nearest office for in person engagement activities such as team meetings, training and culture events.

Essential Responsibilities:

• Work closely with clients to minimize both Synchrony’s and the retailer’s risk, while continuing to grow the portfolio

• Work effectively cross-functionally to drive smart growth and client satisfaction in a safe and sound manner

• Prepare and present client facing and leadership team presentations to communicate credit performance and facilitate informed decisions

• Be a leader in driving enhanced strategies, using champion/challenger leanings to manage credit and fraud risk

• Provide credit oversight and input in deal renewals, new deals and pricing processes; ensure portfolio deal structure and contract(s) are consistent with risk appetite

• Provide clear guidance to the organization on risk appetite and prudent growth

• Maintain effective and credible challenge of critical decisions and business processes

• Coordinate planning cycle with client teams to ensure consistency in business plans

• Guide, mentor and develop portfolio credit and other staff in technical and business matters

• Perform other duties and/or special projects as assigned

Qualifications/Requirements:

• Bachelor’s degree and 5 years of experience in a strategic analytical role, or in lieu of a bachelor’s degree, 8 years of experience in strategic analytical role

• 2 years leadership experience in portfolio management roles with strong emphasis on credit strategy, credit policy, secured installment lending, installment loan underwriting strategy, merchant underwriting and monitoring

• Strong SAS, R or Python Programming Skills

• Significant experience analyzing large data sets to derive strategic actionable credit insights

• Experience developing Consumer Credit Risk Strategies.

• Strong communication and presentation skills and the ability to interact with and present senior leaders and clients

Desired Characteristics:

• Leadership experience operating at a strategic level as part of a cross functional team

• Experience analyzing large data sets to derive strategic, segments, actionable credit and fraud insights, P&L knowledge

• Experience using advanced modeling & data mining techniques (e.g. Machine learning, Big Data) to develop/ optimize Credit strategies

• Master’s Degree or MBA with advanced analytic focus, or equivalent advanced degree

• Project Management experience

Grade/Level: 12

The salary range for this position is 130,000.00 - 210,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance.

Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge.

Salaries are adjusted according to market in CA, NY Metro and Seattle.

Eligibility Requirements:

• You must be 18 years or older

• You must have a high school diploma or equivalent

• You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process

• You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act.

• New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations).

Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. 

Our Commitment:

When you join us, you’ll be part of a diverse, inclusive culture where your skills, experience, and voice are not only heard—but valued. We celebrate the differences in all of us and believe that our individual, unique perspectives is what makes Synchrony truly a great place to work. Together, we’re building a future where we can all belong, connect and turn ideals into action. Through the power of our 8 Diversity Networks , with more than 60% of our workforce engaged, you’ll find community to connect with an opportunity to go beyond your passions.

This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status.

Reasonable Accommodation Notice:

• Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.

• If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time

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