SVP Digital Platform Chief Credit Officer and Business Development Credit Leader

SVP Digital Platform Chief Credit Officer And Business Development Credit Leader

The SVP Digital Platform Chief Credit Officer and Business Development Credit Leader will spearhead the credit management efforts for all Digital Platform clients. This leadership role is also responsible for overseeing credit-related activities that support both the Business Development and Pricing teams across all SYF platforms. Key responsibilities include ensuring the financial integrity of deal pricing by managing credit and fraud loss exposures and delivering targeted returns for digital clients. The role encompasses comprehensive credit and operational risk assessments, delinquency and loss mitigation strategies, portfolio performance monitoring, and active contribution to credit and fraud strategies within Acquisition and Account Management functions. As the primary credit risk liaison, this role collaborates closely with digital platform clients, the Digital Platform CEO, and commercial leadership to align credit risk strategies with overall business objectives.

Essential responsibilities include managing portfolio credit and fraud losses as well as portfolio returns, providing guidance to all digital portfolio credit managers in managing credit and fraud losses and driving prudent growth for SYF and our clients, working closely with partners to minimize both Synchrony's and the partners' risk, while continuing to grow all digital clients, overseeing and leading all credit related activities that support both the business development team and pricing team for all potential prospect clients and existing renewals across all SYF clients, working effectively in the cross functional leadership team to drive prudent growth and client satisfaction delivering safety and soundness in all digital clients, preparing and delivering client facing and leadership team presentations to facilitate informed decisions, coordinating planning cycle with client teams to ensure consistency in business plans, providing clear guidance to the organization on risk appetite and prudent growth, maintaining effective and credible challenge of critical decisions and business processes, and performing other duties and / or special projects as assigned.

Qualifications / requirements include a Bachelor's Degree and 12+ years of experience in consumer risk management, credit management, or similar role, 10+ years' leadership experience in enterprise portfolio credit risk management for consumer accounts, 4+ years of experience interacting and engaging with clients / partners directly or via strategy design and deployment to achieve business objectives, 7+ years of experience guiding development of Consumer Credit Risk Strategies, 2+ years of experience with SAS / SQL or other data analytics tools, 8+ years' experience managing professionals, strong overall knowledge of card business including risk, collections, operations, marketing and finance to understand integration of and impact on credit decisions, strong financial analysis skills; ability to assess / understand the impact of credit and underwriting decisions and implementation on portfolio performance, experience leveraging data to engage, influence and share a compelling story to various levels within the organization and with the client, significant travel required (may be 50%+).

Desired characteristics include a Master's Degree or MBA with advanced analytic focus, or equivalent, effective leadership and talent management, ability to communicate clearly and leverage critical thinking, use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area, familiarity with consumer and commercial lending products and practices, experience operating at a strategic level as part of a senior leadership team, and strong industry and business knowledge including fundamental knowledge of P&L and Credit Products and Lifecycle.

The salary range for this position is 260,000 - 430,000 USD Annual. This position is also eligible for an Annual Incentive Plan target of 40% of salary and an Annual Equity target of 40% of salary. 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 include being 18 years or older, having a high school diploma or equivalent, being willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process, being able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act, and having 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.

Our commitment is to build 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.

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