AVP, Portfolio Credit Health & Wellness

Credit Management Position

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

Qualifications / Requirements :

Desired Characteristics :

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 :

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.

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