AVP, Portfolio Credit Manager - Health & Wellness

Role Summary/Purpose

This role will provide analytics and reporting support required for development and monitoring of revolving and installment credit products and strategies across the Health & Wellness (H&W) Network.

This cross‑functional role may span across multiple credit/fraud lifecycles and across multiple H&W product offerings. Core responsibilities include credit and operational risk evaluation; delinquency, loss, and fraud mitigation; risk/reward optimization; enforcement of credit policies; and portfolio monitoring & reporting.

Our Way of Working

We’re proud to offer you 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. 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.

Essential Responsibilities

• Support development and enhancement of new and existing credit strategies across revolving and installment credit products, utilizing advanced underwriting techniques to balance risk‑reward tradeoff and drive profitable growth.
• Partner with Strategy Team counterparts to obtain appropriate approvals and execute on rollout of credit strategies.
• Support creation of presentations to senior leadership team to communicate new product/strategy design and post‑launch measurement of credit performance and the differences in effectiveness of alternative credit strategies.
• Manage the Investment Review Sub‑Committee credit process for deal review.
• Understand portfolio nuances to identify and communicate how acquisition actions impact overall portfolio performance and profitability.
• Act as liaison between Credit and Sales team to research and provide answers to provider inquiries.
• Work effectively cross‑functionally to drive balanced growth and provider satisfaction.
• Enforcement of existing Bank credit policies.
• Perform other duties and/or special projects as assigned.

Qualifications/Requirements

• Bachelor’s degree and 4+ years of experience in a strategic analytical role, and/or commercial Credit/Risk, Finance, or Analytics role; or in lieu of a bachelor’s degree, 8+ years of experience in strategic analytical role.
• 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.
• Ability and flexibility to travel for business as required.

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 senior leaders and clients.
• Experience with commercial lending products and practices.

Grade/Level

10

Compensation

The salary range for this position is 100,000.00 - 170,000.00 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.

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.

Legal Authorization and Equal Opportunity

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 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 View phone number on click.appcast.io. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time.

Job Family Group

Credit