Job Description:

Role Summary/Purpose:

This role will support Acquisition Portfolio Credit Management efforts for the Health & Wellness portfolio. This includes driving enhancements to credit monitoring and performance metrics, credit, fraud and operational risk evaluation, delinquency/loss mitigation and enforcement of risk policies.

We’re proud to offer you choice and flexibility. You have the option to be remote, and work from home, or come into one of our offices. You may be occasionally requested to commute to our nearest office for in person engagement activities such as team meetings, training and culture events.

Essential Responsibilities:

• Manage credit risk while driving portfolio growth and profitability

• Support the design and implementation of enhanced acquisition strategies, using champion/challenger learnings to manage credit and fraud risk

• Manage fraud risk , actively looking for better customer experience and control fraud risk

• Provide appropriate reporting and analysis for portfolio monitoring, communicate insights and findings to senior PCMs and SLT

• Ensure strategies are performing as expected

• Drive and coordinate Loss Avoidance Initiatives

• Understand and monitor the operational risks of the portfolio Participate in planning cycle with Finance, Client Development, Marketing, and other functions to ensure consistency in business plans

• Enforcement of existing Bank credit policies

• Prepare and deliver presentations for a variety of audience and management levels

• Investigate and resolve various customer and client issues

• Perform other duties and/or special projects as assigned

Qualifications/Requirements:

• Bachelor’s degree and 4+ years of experience in a strategic analytical role, or in lieu of a bachelor’s degree, 8+ years of experience in strategic analytical role , or in lieu of BLP company sponsorship program

• 2+ years in a portfolio management role, with strong emphasis on credit strategy, credit policy, and internal/external communications

• 2+ years’ experience analyzing large data sets to derive strategic actionable credit insights including SAS, R or Python Programming Skills, 2+ years SQL Skills

• Experience operating at a strategic level as part of a cross functional team

Desired Characteristics:

• 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

• Experience developing Consumer Credit Risk Strategies

• Strong communication and presentation skills and the ability to interact with and present to SYF senior leaders and clients

• Experience with commercial lending products and practices

Grade/Level: 10

The salary range for this position is 65,000.00 - 130,000.00 USD Annual

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

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 consistently meet performance expectations 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 expectations).

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.

Our Commitment:

When you join us, you’ll be part of a diverse, inclusive culture where your skills, experience, and voice are not only heard—but valued. We celebrate the differences in all of us and believe that our individual, unique perspectives is what makes Synchrony truly a great place to work. Together, we’re building a future where we can all belong, connect and turn ideals into action. Through the power of our 8 Diversity Networks+, with more than 60% of our workforce engaged, you’ll find community to connect with an opportunity to go beyond your passions.

This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, 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

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