AVP, Credit Model Development

Synchrony; Costa Mesa (CA); On-site; USD 115,000 - 200,000; Full time

Job summary

Synchrony is seeking a Model Development professional for its ACM analytics, focusing on building and validating customer account management models. The role emphasizes hands-on development in big data environments using Python, AWS, and ML/GenAI skills, with strong collaboration across risk and business stakeholders.

The candidate should have 3+ years of model development/validation experience in financial services, plus proficiency in Python, Spark, AWS SageMaker, H2O, and SAS.

Qualifications

• Bachelor’s degree in Statistics, Mathematics, Data Science, or related quantitative field.
• 3+ years of hands-on model development/validation in financial services.
• 2+ years of hands-on technical experience with data science tools (Python, Spark, AWS SageMaker, H2O, SAS).

Responsibilities

• Partner with Model Risk Management on model validations, annual reviews, and ongoing assessments.
• Analyze model performance and explain model behavior to business stakeholders.
• Utilize advanced ML techniques to perform data mining for customer risk analysis and profiling.
• Prepare and maintain comprehensive model documentation to meet regulatory standards.
• Lead automation initiatives using AWS, Python, Tableau, and related tools.
• Build expertise in Synchrony’s data warehouse and analytics ecosystem.
• Perform other duties and/or special projects as assigned

Skills

Python

AWS

ML

GenAI

Spark

H2O

SAS

Communication

Education

Statistics/Data Science

Tools

SageMaker

Job description

Aug 24, 2026

$115,000 - $200,000/year

Role Summary/Purpose:

Synchrony’s Credit Account Management (ACM) - Model Development role will provide excellent opportunities to support our ACM analytics and modeling capabilities. In this role, you will contribute to the development and execution of models for customer account management.

The successful candidate will be responsible for executing key aspects of the model development lifecycle, including internal model building, assisting in the review of vendor models, supporting validation processes, and assisting with regulatory documentation. We are looking for a candidate who is curious and passionate about technical problem-solving and has hands‑on experience in big data environments, computer programming, Python, AWS, Machine Learning (ML), or AI/GenAI.

The successful candidate will have good communication skills, solid hands‑on model development experience, and an understanding of model risk. The role will focus on core technical model development and analytics to support account management.

Main Responsibilities:

Partner with Model Risk Management on model validations, annual reviews, and ongoing assessments.

Analyze model performance and explain model behavior to business stakeholders.

Utilize advanced ML techniques to perform data mining for customer risk analysis and profiling.

Prepare and maintain comprehensive model documentation required to meet regulatory and compliance standards.

Lead automation initiatives using AWS, Python, Tableau, and related tools.

Build expertise in Synchrony’s data warehouse and analytics ecosystem.

Perform other duties and/or special projects as assigned

Qualifications/Requirements:

Bachelor’s degree in Statistics, Mathematics, Data Science, or a related quantitative field.

Approximately 3+ years of hands‑on experience as a model developer or model validator, specifically within financial services, credit risk, or fraud analytics.

2+ years of hands‑on technical experience with data science/statistical tools and environments such as Python, Spark, AWS SageMaker, H2O, and SAS.

Strong written and verbal communication skills with the ability to present analytical findings and complex modeling concepts to diverse audiences.

Ability and flexibility to travel for business as required

Desired Qualifications:

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

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

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

Experience with commercial lending products and practices

Demonstrated ability to identify automation opportunities and lead initiatives that improve efficiency, data quality controls, and analytical processes.

Grade/Level: 11

The salary range for this position is 115,000.00 - 200,000.00 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.

Our Way of Working:

We're proud to offer you 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. You will be required to commute to your nearestHub (either virtual or physical) for in-person engagement activities such as regularbusiness or team meetings, training and culture events.

*Field Sales and some Commercial team roles may have varied location requirements based upon partner obligations or preferences.

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

Synchrony empowers individuals with flexible consumer financing solutions, facilitating access to essential needs and everyday wants while supporting a network of small and mid-sized businesses.

Company size 10,001+ employees

Company type Public company

Total funding $500M Post IPO Equity

Momentum

Team growth

Momentum

Team growth

4% in 12 mo

16,089 employees on LinkedIn

Capital

Funding history

Post IPO Equity$500M

Feb 2024

Footprint

Where they work

HQ, Stamford, Connecticut 06902, US 950 Forrer Blvd, Kettering, OH 45420, US 10840 Ballantyne Commons Pkwy, Charlotte, NC 28277, US 222 W Adams St, Chicago, IL 60606, US Hitech City Road, Hyderabad, TS 500081, IN