AVP, Portfolio Credit Manager

Synchrony; Charlotte (NC); Hybrid; USD 115,000 - 200,000; Full time

Job summary

Synchrony is seeking a Senior Credit Risk Analyst to support risk reporting and analytics across the cardholder life-cycle. You will work with client teams to drive smart growth while maintaining safety and soundness, delivering clear risk insights and leadership presentations.

Ideal candidates have 6+ years in risk/analytics, proficiency in SAS/SQL/Python, and strong communication skills to influence decisions across multiple teams.

Qualifications

• Bachelor's degree required; 6+ years in consumer/commercial Credit/Risk, Finance or Analytics.
• 3+ years’ experience analyzing large data sets using SAS/SQL/R/Python or related tools.
• Ability and flexibility to travel for business as required.

Responsibilities

• Support credit risk reporting and analysis across the cardholder life-cycle.
• Prepare and present client facing and leadership team presentations.
• Collaborate cross-functionally to drive growth while ensuring safety and soundness of the portfolio.
• Provide analytics for pricing, promotions, and risk management decisions.
• Coordinate monthly MIS and reporting across multiple sites/partners.

Skills

Credit risk analysis

Analytical skills

Communication

Education

Bachelor's degree in related field

Tools

SAS

SQL

Python

Job description

Role Summary/Purpose

This role will support credit risk management of the Travel Cobrand portfolios. You will be responsible for Credit Risk reporting and analysis with primary accountability for identifying and managing consumer credit risk across all components of the cardholder life-cycle through data gathering and analytics. You will support and interact with the client, client teams and with key contacts throughout Synchrony.

• Work closely with retail clients to minimize both Synchrony Financials’ and the retailer’s risk, while continuing to grow the portfolio
• Work effectively cross-functionally to drive smart growth and client satisfaction delivering safety and soundness in the portfolio
• Prepare and present client facing and leadership team presentations to facilitate informed decisions
• Be a leader in driving enhanced strategies, using champion/challenger leanings to manage credit and fraud risk
• Provide analytics and input for deal and promotional pricing activities
• Coordinate multisite/country resources to ensure delivery and accuracy of monthly MIS and reporting needs to meet internal and external requirements
• Coordinate planning cycle with client teams to ensure consistency in business plans
• Responsible for providing clear guidance to the organization on risk appetite and prudent growth
• Maintain effective and credible challenge of critical decisions and business processes
• Perform other duties and/or special projects as assigned

Qualifications/Requirements

• Bachelor's degree and 6+ years in a consumer and/or commercial Credit/Risk, Finance, or Analytics role; or in lieu of a bachelor's degree, 8+ years in a consumer and/or commercial Credit/Risk, Finance or Analytics role.
• 3+ years’ experience analyzing large data sets to derive strategic actionable credit insights including SAS, SQL, R or Python Programming Skills or other related analytic tools
• Ability and flexibility to travel for business as required

Desired Characteristics

• Superb communication skills and experience with interacting successfully at all levels within the Credit organization
• Outstanding collaborative and team management style
• Ability to multitask and perform in a fast-paced environment
• Demonstrated problem-solving and critical-thinking skills
• Fraud/Consumer finance experience
• Experience with Python
• Proven ability to work with various data sources, data warehouses and database tools

Grade/Level

Grade/Level: 11

Salary

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 nearest Hub (either virtual or physical) for in-person engagement activities such as regular business 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.

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

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