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Synchrony VP, Consumer Credit Acquisitions Strategy in CHARLOTTE, North Carolina

Job Description:

Role Summary/Purpose:

Lead enterprise-wide Consumer Credit Acquisitions strategy development efforts focused on developing and managing credit acquisitions strategies for several client groups across Retail Card and Payment Solutions. Drive acquisitions credit strategies, initiatives, enhancements, projects and new tools for Credit. Work closely with business and portfolio leadership to establish strategic direction for each client. Work cross-functionally to ensure risk strategies are performing as expected.

Role is open to all hub locations

Essential Responsibilities:

  • Lead development and enhancement of new account credit strategies that drive profitable growth while operating within the risk appetite

  • Develop and track core acquisition credit strategies at the product and client level that minimize both Synchrony and the retail partners’ risks, while balancing the risk–reward tradeoff

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

  • Lead and drive the new Acquisitions Credit Transformation. Utilize advanced underwriting techniques to optimize acquisition strategies and new account credit decisions

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

  • Work closely with Credit portfolio leaders to ensure strategies support both business and client objectives, while maintaining a straightforward, standardized, enterprise‐wide decision structure

  • Work effectively cross‐functionally to drive smart growth and client satisfaction.

  • Support driving enhanced strategies, using champion/challenger leanings to manage credit exposure

  • Coordinate planning cycle with portfolio teams to ensure consistency in business plans

  • Drive the enhancement of credit monitoring and report‐out of acquisition metrics designed to identify credit risk exposure and effectively develop mitigants

  • Ensure effective pre-implementation strategies and strategy validations are executed by team members

  • Drive the implementation of credit monitoring and tracking systems designed to quantify the differences in effectiveness of alternative credit strategies

  • Perform other duties and/or special projects as assigned

Qualifications/Requirements:

  • Bachelor’s degree and 5+ years of experience in a strategic risk management role, or in lieu of a Bachelor's degree, 9+ years of experience in strategic risk management

  • 3+ years of experience in a risk strategy development role

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

Desired Characteristics:

  • Leadership experience operating at a strategic level 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 with consumer lending products and practices

  • 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

  • Experience with R or Python Programs skills or advanced data mining & modeling techniques (e.g. Machine learning, Big Data)

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 24 months’ time in position before they can post. All internal employees must have at least a “consistently meets expectations” performance rating 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 requirement).

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.

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.

The salary range for this position is 85,000.00 - 170,000.00 USD Annual

Salaries are adjusted according to market in CA and Metro NY and some positions are bonus eligible.

Grade/Level: 12

Job Family Group:

Risk Management

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