SVP, Chief Credit Officer & Auto Platform

Job Description

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.

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.

• 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

• 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

• 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…