AVP, Portfolio Credit Manager – Health & Wellness

Synchrony•Chicago, IL

8d•$100,000 - $170,000•Hybrid

About The Position

This role will provide analytics and reporting support required for development and monitoring of revolving and installment credit products and strategies across the Health & Wellness (H&W) Network. This cross functional role may span across multiple credit/fraud lifecycles and across multiple H&W product offerings. Core responsibilities include credit and operational risk evaluation; delinquency, loss and fraud mitigation; risk/reward optimization; enforcement of credit policies; and portfolio monitoring & reporting.

Requirements

Bachelor’s degree and 4+ years of experience in a strategic analytical role, and/or commercial Credit/Risk, Finance, or Analytics role; or in lieu of a bachelor’s degree, 8+ years of experience in strategic analytical role
2+ years’ experience analyzing large data sets to derive strategic actionable credit insights including SAS, R or Python Programming Skills
2+ years SQL Skills
Experience operating at a strategic level as part of a cross functional team
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.
We will not sponsor individuals for employment visas, now or in the future, for this job opening.

Nice To Haves

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
Experience developing Consumer Credit Risk 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

Responsibilities

Support development and enhancement of new and existing credit strategies across revolving and installment credit products, utilizing advanced underwriting techniques to balance risk-reward tradeoff and drive profitable growth.
Partner with Strategy Team counterparts to obtain appropriate approvals and execute on rollout of credit strategies.
Support creation of presentations to senior leadership team to communicate new product/strategy design and post-launch measurement of credit performance and the differences in effectiveness of alternative credit strategies.
Manage the Investment Review Sub-Committee credit process for deal review.
Understand portfolio nuances to identify and communicate how acquisition actions impact overall portfolio performance and profitability.
Act as Liaison between Credit and Sales team to research and provide answer to Provider inquiries.
Work effectively cross‐functionally to drive balanced growth and Provider satisfaction.
Enforcement of existing Bank credit policies.
Perform other duties and/or special projects as assigned.