SVP, Chief Credit Officer Home & Auto Platform

Synchrony•Alpharetta, GA

2d•Hybrid

About The Position

Role Summary/Purpose: The SVP, Chief Credit Officer H&A Platform will spearhead the credit management efforts for all Home & Auto clients. The CCO will play a critical role in leading the credit strategy, risk management, and decisioning framework for Synchrony’s home and automotive lending portfolios. This executive will ensure the platform’s credit quality aligns with corporate risk appetite while supporting growth ambitions and delivering an exceptional customer experience. Key responsibilities include ensuring the financial integrity of deal pricing by managing credit and fraud loss exposures and delivering targeted returns for H&A clients. The role encompasses comprehensive credit and operational risk assessments, delinquency and loss mitigation strategies, portfolio performance monitoring, and active contribution to credit and fraud strategies within Acquisition and Account Management functions. As the primary credit risk liaison, this role collaborates closely with H&A platform clients, the Home & Auto Platform CEO, and commercial leadership to align credit risk strategies with overall business objectives. 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 12+ years of experience in consumer risk management, credit management, or similar role; in lieu of a degree 15+ years of experience in consumer risk management
10+ years’ leadership experience in enterprise portfolio credit risk management for consumer accounts
4+ years of experience interacting and engaging with clients/partners directly or via strategy design and deployment to achieve business objectives
7+ years of experience guiding development of Consumer Credit Risk Strategies
2+ years of experience with SAS/SQL or other data analytics tools
8+ years’ experience managing professionals
Significant travel required (may be 50%+)
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.
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.

Nice To Haves

Master's Degree or MBA with advanced analytic focus, or equivalent
Strong overall knowledge of card business including risk, collections, operations, marketing and finance – to understand integration of and impact on credit decisions
Strong Financial Analysis skills; ability to assess/understand the impact of credit and underwriting decisions and implementation on portfolio performance
Experience leveraging data to engage, influence and share a compelling story to various levels within the organization and with the client
Effective leadership and talent management
Ability to communicate clearly and leverage critical thinking
Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area
Familiarity with consumer and commercial lending products and practices
Experience operating at a strategic level as part of a senior leadership team
Strong industry and business knowledge including fundamental knowledge of P&L and Credit Products and Lifecycle

Responsibilities

Responsible for managing portfolio credit and fraud losses as well as portfolio returns
Provide the guidance to all H&A portfolio credit managers in managing credit and fraud losses and driving prudent growth for SYF and our clients
Work closely with the partners to minimize both Synchrony’s and the partners’ risk, while continuing to grow all H&A clients.
Oversee and lead all credit related activities that support both the business development team and pricing team for all potential prospect clients and existing renewals across all SYF clients
Work effectively in the cross functional leadership team to drive prudent growth and client satisfaction delivering safety and soundness in all H&A clients.
Prepare and deliver client facing and leadership team presentations to facilitate informed decisions.
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