Synchrony
VP Consumer Credit Acquisition Strategy
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Synchrony
Role Summary/Purpose Reporting to the SVP Credit Acquisitions Strategy Leader, the VP Consumer Credit Acquisitions Strategy will lead a team focused on developing and managing credit acquisitions strategies for several client groups within Synchrony, across both open and closed‑end products. The successful candidate will bring strong people leadership and analytic experience to drive innovation and efficiencies in acquisition credit strategies.
Our Way of Working We’re proud to offer 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 an office. Occasionally you may need to commute to the nearest office for in‑person engagement activities such as business or team meetings, training and culture events.
Essential Responsibilities
Lead a team in the development and enhancement of new account credit strategies that drive profitable growth while operating within risk appetite.
Utilize advanced underwriting techniques to optimize acquisition strategies and new account credit decisions.
Develop and track core acquisition credit strategies at the product and client level that minimize both Synchrony and the retail partners’ risks, while balancing the risk‑reward tradeoff.
Evaluate multiple data sources to uncover insights and integrate them into acquisition strategies.
Identify and communicate how acquisition actions impact overall portfolio performance.
Work closely with Portfolio Credit leaders to ensure strategies support business and client objectives, maintaining a straightforward, standardized, enterprise‑wide decision structure.
Work effectively cross‑functionally to drive smart growth and client satisfaction.
Support driving enhanced strategies, using champion/challenger leanings to manage credit exposure.
Coordinate planning cycles with portfolio teams to ensure consistency in business plans.
Drive the enhancement of credit monitoring and report‑out of acquisition metrics designed to identify credit risk exposure and develop mitigants.
Ensure effective pre‑implementation strategies and strategy validations are executed by team members.
Drive the implementation of credit monitoring and tracking systems designed to quantify the differences in effectiveness of alternative credit strategies.
Perform other duties and/or special projects as assigned.
Qualifications/Requirements
Bachelor’s degree and 5+ years of experience in a strategic credit management role, or 9+ years of experience in strategic credit management in lieu of a bachelor’s degree.
3+ years of experience in a credit strategy development role.
3+ years of advanced programming with SAS/SQL (proficient level) or Java, R, Python.
Desired Characteristics
Leadership experience operating at a strategic level as part of a cross functional team.
Use and knowledge of advanced technical & analytical competencies in driving development of credit risk criteria and strategies.
Effective communication and presentation skills and the ability to interact with and present to senior leaders.
Experience with consumer lending products and practices.
Master’s Degree or MBA with advanced analytic focus, or equivalent advanced degree.
Experience with statistical tools such as SAS E‑Miner, Model Builder Decision Tree, Knowledge Studio and others.
Experience with R or Python programs or advanced data mining & modeling techniques (e.g., machine learning, big data).
Grade / Level 12
Salary Range US$ 135,000.00 – 230,000.00 annually, eligible for annual bonus based on performance. 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 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 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from their manager to post (or the approval of the manager and HR if the performance or time in position criteria are not met).
Legal Authorization to Work in the U.S. Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future. 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 an inclusive culture where your individual skills, experience, and voice are heard and valued. Together we’re building a future where we can connect and turn ideals into action. Over 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. 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.
If you need special accommodations, please call our Career Support Line at 1‑866‑301‑5627. Representatives are available from 8 am – 5 pm Monday to Friday, Central Standard Time.
Job Family Group Credit
Seniority Level Not Applicable
Employment Type Full‑time
Job Function Finance
#J-18808-Ljbffr
–
Synchrony
Role Summary/Purpose Reporting to the SVP Credit Acquisitions Strategy Leader, the VP Consumer Credit Acquisitions Strategy will lead a team focused on developing and managing credit acquisitions strategies for several client groups within Synchrony, across both open and closed‑end products. The successful candidate will bring strong people leadership and analytic experience to drive innovation and efficiencies in acquisition credit strategies.
Our Way of Working We’re proud to offer 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 an office. Occasionally you may need to commute to the nearest office for in‑person engagement activities such as business or team meetings, training and culture events.
Essential Responsibilities
Lead a team in the development and enhancement of new account credit strategies that drive profitable growth while operating within risk appetite.
Utilize advanced underwriting techniques to optimize acquisition strategies and new account credit decisions.
Develop and track core acquisition credit strategies at the product and client level that minimize both Synchrony and the retail partners’ risks, while balancing the risk‑reward tradeoff.
Evaluate multiple data sources to uncover insights and integrate them into acquisition strategies.
Identify and communicate how acquisition actions impact overall portfolio performance.
Work closely with Portfolio Credit leaders to ensure strategies support business and client objectives, maintaining a straightforward, standardized, enterprise‑wide decision structure.
Work effectively cross‑functionally to drive smart growth and client satisfaction.
Support driving enhanced strategies, using champion/challenger leanings to manage credit exposure.
Coordinate planning cycles with portfolio teams to ensure consistency in business plans.
Drive the enhancement of credit monitoring and report‑out of acquisition metrics designed to identify credit risk exposure and develop mitigants.
Ensure effective pre‑implementation strategies and strategy validations are executed by team members.
Drive the implementation of credit monitoring and tracking systems designed to quantify the differences in effectiveness of alternative credit strategies.
Perform other duties and/or special projects as assigned.
Qualifications/Requirements
Bachelor’s degree and 5+ years of experience in a strategic credit management role, or 9+ years of experience in strategic credit management in lieu of a bachelor’s degree.
3+ years of experience in a credit strategy development role.
3+ years of advanced programming with SAS/SQL (proficient level) or Java, R, Python.
Desired Characteristics
Leadership experience operating at a strategic level as part of a cross functional team.
Use and knowledge of advanced technical & analytical competencies in driving development of credit risk criteria and strategies.
Effective communication and presentation skills and the ability to interact with and present to senior leaders.
Experience with consumer lending products and practices.
Master’s Degree or MBA with advanced analytic focus, or equivalent advanced degree.
Experience with statistical tools such as SAS E‑Miner, Model Builder Decision Tree, Knowledge Studio and others.
Experience with R or Python programs or advanced data mining & modeling techniques (e.g., machine learning, big data).
Grade / Level 12
Salary Range US$ 135,000.00 – 230,000.00 annually, eligible for annual bonus based on performance. 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 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 18 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from their manager to post (or the approval of the manager and HR if the performance or time in position criteria are not met).
Legal Authorization to Work in the U.S. Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future. 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 an inclusive culture where your individual skills, experience, and voice are heard and valued. Together we’re building a future where we can connect and turn ideals into action. Over 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. 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.
If you need special accommodations, please call our Career Support Line at 1‑866‑301‑5627. Representatives are available from 8 am – 5 pm Monday to Friday, Central Standard Time.
Job Family Group Credit
Seniority Level Not Applicable
Employment Type Full‑time
Job Function Finance
#J-18808-Ljbffr