AVP, Portfolio Credit Health & Wellness

Job Description :

Role Summary / Purpose :

In this role, you will support the overall credit (portfolio and account) management of the Health and Wellness platform. A portfolio that generates $10+B in credit sales annually across PLCC, Network and Dual Card, and Allegro Installment products. ?This role includes credit and operational risk evaluation; delinquency, loss and fraud mitigation; enforcement of credit policies and portfolio monitoring. This role acts as a key Credit interface and requires extensive cross functional interaction including leadership and support of business and functional initiatives.

Our Way of Working We're proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home, near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in person engagement activities such as business or team meetings, training and culture events

Essential Responsibilities :

Lead development and enhancement of new account credit strategies across revolving and installment products, utilizing advanced underwriting techniques to balance risk-reward tradeoff and drive profitable growth

Drive the enhancement of credit monitoring and report-out of acquisition metrics designed to identify critical product / strategy success measures

Understand portfolio nuances to identify and communicate how acquisition actions impact overall portfolio performance

Prepare and deliver client and internal presentations

Ensure strategies support both business and provider objectives, while driving toward a scalable, standardized, decision and reporting structure

Work effectively cross-functionally to drive smart growth and Provider satisfaction

Ensure credit strategies are performing as expected

Support driving enhanced strategies, using champion / challenger learnings to manage credit exposure & balance risk appetite

Drive the implementation of credit monitoring and tracking systems designed to quantify the differences in effectiveness of alternative credit strategies

Investigate and resolve various customer and client issues

Provide reporting and analysis for all product

Perform other duties and / or special projects as assigned

Qualifications / Requirements :

Bachelor's degree and 2+ years of experience in a consumer and / or commercial Credit / Risk, Finance or Analytics role; or in lieu of a Bachelor's degree, 4+ years of experience in a consumer and / or commercial Credit / Risk, Finance or Analytics role

1+ years' experience in SAS, SQL, Tableau, Python, R or other related analytic tools

Ability and flexibility to travel for business as required

Desired Characteristics :

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

Experience operating as part of a cross functional team

Use and knowledge of advanced technical & analytical competencies in driving development of credit risk criteria and strategies

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

Experience creating and leading organizational change

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

Grade / Level : 10

The salary range for this position is 100,000.00 - 170,000.00 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 an inclusive culture where your individual skills, experience, and voice are not only heard - but valued. Together, we're building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow.

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. We're proud to have an award-winning culture for all.

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

Job Family Group : Credit