VP, Consumer Credit Acquisitions Strategy - OnePay

Synchrony; Stamford (CT); Hybrid; USD 135,000 - 230,000; Full time

Job summary

A leading financial services company is seeking a VP Consumer Credit Acquisitions Strategy. This pivotal role will focus on driving credit acquisition strategies for store branded portfolios. The ideal candidate will possess extensive experience in credit roles, data analytics, and strategy design, along with strong communication skills, to effectively manage and implement projects that maximize growth while maintaining risk standards.

Qualifications

• 6+ years of experience in credit or fraud roles in financial services.
• 3+ years of complex strategy design experience.
• 5+ years working with data sources and data warehouses.

Responsibilities

• Develop acquisition credit strategies that drive profitable growth.
• Utilize advanced underwriting techniques to optimize strategies.
• Work closely with Portfolio Credit leaders to ensure alignment.

Skills

Data analytics

Communication

Collaboration

Education

Bachelor's degree

Master’s Degree or MBA

Tools

SAS

SQL

Java

R

Python

Job description

Job Description:

Role Summary/Purpose:

The VP Consumer Credit Acquisitions Strategy - OnePay will develop and manage credit acquisitions strategies with a focus on large store branded credit card portfolios. The ideal candidate will combine their SAS/SQL experience, credit acumen and excellent communication skills to work closely with portfolio leadership and drive advancements in acquisition credit strategies.

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:

• Develop acquisition credit strategies that drive profitable growth while operating within the risk appetite. Strategies include applicant approve/decline, line assignment, product assignment

• Utilize advanced underwriting techniques to optimize acquisition strategies and new account credit decisions, using champion/challenger leanings to manage credit exposure

• Evaluate multiple data sources to evaluate and uncover insights and integrate into acquisition strategies

• Identify and communicate how acquisition actions impact overall portfolio performance (understanding portfolio and platform nuances)

• Work closely with Portfolio Credit leaders to ensure strategies support both business and client objectives

• Complete required strategy documentation and meet audit standards

• Work closely with implementation team to ensure strategy is implemented correctly through pre and post implementation validation

• Perform ongoing monitoring of portfolio performance to ensure business and client objectives are being attained

• May provide direction and support to other team members including mentorship

• Perform other duties and/or special projects as assigned

Qualifications/Requirements:

• Bachelor’s degree and 6+ years of experience in credit or fraud roles in the financial services industry, or in lieu of a Bachelor's degree, 10+ years of experience in credit or fraud roles in the financial services industry

• 3+ years of complex strategy design experience

• 5+ years of experience in data analytics

• 5+ years of programming experience with SAS/SQL (proficient level), Java, R and/or Python

Desired Characteristics:

• Excellent communication and collaboration skills and experience

• Ability to manage several projects and perform in a fast-paced environment

• Proven ability to work with data sources, data warehouses and database tools

• Proven ability to successfully manage and implement projects on time & without errors

• Ability to work effectively independently and within teams across functional areas

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

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

• Experience with statistical tools such as SAS E-Miner, Model Builder Decision Tree, Knowledge Studio and others

Grade/Level: 12

The salary range for this position is 135,000.00 - 230,000.00 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 a diverse, inclusive culture where your skills, experience, and voice are not only heard—but valued. We celebrate the differences in all of us and believe that our individual, unique perspectives is what makes Synchrony truly a great place to work. Together, we’re building a future where we can all belong, connect and turn ideals into action. Through the power of our 8Diversity Networks+, with more than 60% of our workforce engaged, you’ll find community to connect with an opportunity to go beyond your passions.

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.

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