AVP, Credit Model Development

Role Summary / Purpose

Synchrony’s Credit Account Management (ACM) - Model Development role will provide excellent opportunities to support our ACM analytics and modeling capabilities. In this role, you will contribute to the development and execution of models for customer account management. The successful candidate will be responsible for executing key aspects of the model development lifecycle, including internal model building, assisting in the review of vendor models, supporting validation processes, and assisting with regulatory documentation.

We are looking for a candidate who is curious and passionate about technical problem‑solving and has hands‑on experience in big data environments, computer programming, Python, AWS, Machine Learning (ML), or AI/GenAI. The successful candidate will have good communication skills, solid hands‑on model development experience, and an understanding of model risk. The role will focus on core technical model development and analytics to support account management.

• Perform hands‑on data collection, data cleansing, and model development to support ACM model projects.
• Partner with Model Risk Management on model validations, annual reviews, and ongoing assessments.
• Analyze model performance and explain model behavior to business stakeholders.
• Utilize advanced ML techniques to perform data mining for customer risk analysis and profiling.
• Prepare and maintain comprehensive model documentation required to meet regulatory and compliance standards.
• Lead automation initiatives using AWS, Python, Tableau, and related tools.
• Build expertise in Synchrony’s data warehouse and analytics ecosystem.
• Perform other duties and/or special projects as assigned.

• Bachelor’s degree in Statistics, Mathematics, Data Science, or a related quantitative field.
• Approximately 3+ years of hands‑on experience as a model developer or model validator, specifically within financial services, credit risk, or fraud analytics.
• 2+ years of hands‑on technical experience with data science/statistical tools and environments such as Python, Spark, AWS Sage Maker, H2O, and SAS.
• Strong written and verbal communication skills with the ability to present analytical findings and complex modeling concepts to diverse audiences.
• Ability and flexibility to travel for business as required.

• 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.
• 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.
• Demonstrated ability to identify automation opportunities and lead initiatives that improve efficiency, data quality controls, and analytical processes.

The salary range for this position is $ - $ USD per annum and is eligible for an annual bonus based on individual and company performance. Compensation will be based on experience, skill level, and knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle.

We’re proud to offer flexibility. Synchrony allows you 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.

• 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.
• All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or age.
• Reasonable accommodation for individuals with disabilities is available upon request.

We ensure all qualified applicants receive consideration for employment without discrimination based on any protected characteristic. All jobs at Synchrony are open to the public.