VP, Portfolio Credit – Home & Auto

Role Summary

In this role, you will drive portfolio credit management activities for Oil & Gas portfolio along with several Car Care clients that generate ~$1.8B in credit sales annually. The role includes credit and operational risk evaluation; risk versus reward assessment—delinquency, loss and fraud mitigation; enforcement of credit policies; portfolio monitoring; improving the customer experience; input into deal structure and pricing and new program evaluation.

It acts as the key Credit interface to the client and client teams and requires extensive cross‑functional interaction, including leadership and support of business and functional initiatives.

• Work closely with the client to minimize both Synchrony’s and the retailer’s risk while continuing to grow the portfolio.
• Work effectively cross‑functionally to drive smart growth, client satisfaction, and improved customer experiences in a safe and sound manner.
• Prepare and present client‑facing and leadership team presentations to communicate credit performance and facilitate informed decisions.
• Lead enhanced strategies, using champion/challenger leanings to manage credit and fraud risk.
• Provide credit oversight and input in deal renewals, new deals, and pricing processes; ensure portfolio deal structure and contracts are consistent with risk appetite.
• Provide clear guidance to the organization on risk appetite and prudent growth.
• Maintain effective and credible challenge of critical decisions and business processes.
• Coordinate the planning cycle with client teams to ensure consistency in business plans.
• Guide, mentor and develop portfolio credit and other staff in technical and business matters.
• Perform other duties and/or special projects as assigned.

• Leadership experience operating at a strategic level as part of a cross‑functional team.
• Bachelor’s degree and 5+ years of experience in a strategic analytical role, or in lieu of a bachelor’s degree, 7+ years of experience in a strategic analytical role.
• 3+ years of leadership experience in portfolio management roles with strong emphasis on credit strategy, credit policy, and internal/external communications.
• Strong SAS, R, or Python programming skills.
• Significant experience analyzing large data sets to derive strategic, actionable credit insights.
• Experience developing consumer credit risk strategies.
• Strong communication and presentation skills and the ability to interact with and present to senior leaders and clients.
• Ability and flexibility to travel for business as required.

• Experience using advanced modeling and data mining techniques to develop/optimize credit strategies.
• Master’s degree or MBA with an advanced analytic focus, or an equivalent advanced degree.
• Experience creating and leading organizational change.

The role offers flexibility. You may 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.)

The salary range for this position is $ – $ USD annually and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle.

• 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 or veteran status. Reasonable accommodation is available for qualified individuals with disabilities. Please let us know if you require a reasonable accommodation to apply for a job or to perform your job.