VP, Recovery Legal Strategy

Role Summary/Purpose

The VP, Recovery Legal Strategy will lead end-to-end strategy development and analytics for Synchrony's Legal Recovery business, with responsibility for $100-150MM annual recovery income / net loss impact and $30-35MM expense budget. This role is accountable for delivering superior business performance through innovation and advanced analytics across the entire Legal Recovery process lifecycle. The VP develops, executes, and continuously optimizes strategies to maximize net loss reduction within budget and to ensure regulatory and compliance excellence.

Collaborating closely with Recovery Operations, Legal, Compliance, Fair Lending Technology, Finance, and Business Intelligence / Reporting, this leader drives top-tier results through rigorous analytics and continuous business transformation. The person in this role will also be backup for the VP, Recovery Debt Sales Strategy role.

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.

• Own the development, testing, execution, and ongoing optimization of legal recovery strategies for all Synchrony businesses / platforms, clients and products, including segmentation, legal vs. non-legal channel optimization, legal channel management, and post-judgment recovery including dormant (non-performing) judgment strategies.

• Lead advanced analytics and predictive modeling initiatives (e.g., CHAID/CART, champion-challenger testing) to enhance legal recovery effectiveness, profitability, and efficiency.

• Lead rigorous business case development, risk assessment, implementation, and validation of all new or modified strategies, ensuring swift and successful rollouts.

• Develop a transformational legal recovery strategy vision and multi-year roadmap. Lead discussions with executives to ensure they understand and support the future state vision and roadmap. Conduct benchmarking and industry research to identify legal strategy and operational best practices.

• Actively manage a portfolio of legal recovery strategies, including tracking performance and providing regular updates to senior management and to other stakeholders.

• Drive cross-functional partnerships with Recovery Operations, Legal, Compliance, Fair Lending, Business Intelligence / Reporting, Model Development, external law firms, and other stakeholders to ensure aligned, effective, and compliant execution.

• Monitor legal recovery performance, capitalize on opportunities to improve liquidation rates, operational efficiencies, accuracy, and cost management.

• Ensure strict compliance with all applicable laws, regulations, regulatory guidelines and company policies; proactively prevent, detect, and remediate any Legal Recovery strategy issues.

• Develop, implement, and maintain robust documentation, controls, and governance for all legal recovery strategies / non-model tools (NMTs); lead legal strategy support for second line reviews, internal audits and regulatory exams.

• Perform other duties and/or special projects as assigned.

• Bachelor s degree in a quantitative major (e.g., STEM, economics, business); in lieu of a degree 11+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience.

• 8+ years of strategy, analytics, collections/recovery, risk, or legal/recovery management experience.

• 5+ years of experience with data analytics and segmentation platforms (e.g., SAS, SQL, Python/R, CHAID / CART decision tree software).

• 3+ years of experience leading legal recovery strategy, attorney management, or litigation recoveries in the financial industry (preferably for a credit card issuer).

• Expertise in legal/regulatory frameworks impacting recoveries (FDCPA, Fair Lending, UDAAP, etc.).

• Demonstrated success developing and executing strategy, testing protocols, and delivering measurable results in a regulated financial services environment.

• Experience managing processes, risks and controls.

• Exceptional communication, cross-functional leadership, and executive influencing skills.

• Outstanding project management, organizational, and change leadership abilities.

• Advanced degree (Master s or JD) preferred.

Grade/Level: 12

The salary range for this position is - USD Annual 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…