AVP, Portfolio Credit Health & Wellness
About The 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
Requirements
- Bachelor's degree and 2+ years of experience in a consumer and/or commercial Credit/Risk, Finance or Analytics role; or in lieu of a Bachelor's degree, 4+ years of experience in a consumer and/or commercial Credit/Risk, Finance or Analytics role
- 1+ years' experience in SAS, SQL, Tableau, Python, R or other related analytic tools
- Ability and flexibility to travel for business as required
- 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.
- Legal authorization to work in the U.S. is required.
Nice To Haves
- Leadership experience operating at a strategic level as part of a cross functional team
- Experience operating as part of a cross functional team
- Use and knowledge of advanced technical & analytical competencies in driving development of credit risk criteria and strategies
- Strong communication and presentation skills and the ability to interact with and present to SYF senior leaders
- Experience creating and leading organizational change
- Master's Degree or MBA with advanced analytic focus, or equivalent advanced degree
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
- Perform other duties and/or special projects as assigned
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
