AVP, Portfolio Credit Manager
About The Position
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. 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.
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
- 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
- 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
Responsibilities
- 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
Benefits
- eligible for an annual bonus based on individual and company performance
- The salary range for this position is 115,000.00 - 200,000.00 USD Annual
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What This Job Offers
Job Type
Full-time
Career Level
Manager
