Synchrony
VP Consumer Credit Acquisition Strategy
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 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. 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 into acquisition strategies. Identify and communicate how acquisition actions impact overall portfolio performance (understanding portfolio and platform nuances). Work closely with Portfolio Credit leaders to ensure strategies support both business and client objectives, while 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 effectively 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 in lieu of a Bachelor’s degree, 9+ years of experience in strategic credit management. 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 SYF 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 skills or advanced data mining & modeling techniques (e.g. Machine learning, Big Data). Salary
135,000.00 - 230,000.00 USD Annual and eligible for an annual bonus based on individual and company performance. Salaries are adjusted according to market in CA, NY Metro and Seattle. Benefits & EEO
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 and instructions.
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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 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. 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 into acquisition strategies. Identify and communicate how acquisition actions impact overall portfolio performance (understanding portfolio and platform nuances). Work closely with Portfolio Credit leaders to ensure strategies support both business and client objectives, while 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 effectively 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 in lieu of a Bachelor’s degree, 9+ years of experience in strategic credit management. 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 SYF 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 skills or advanced data mining & modeling techniques (e.g. Machine learning, Big Data). Salary
135,000.00 - 230,000.00 USD Annual and eligible for an annual bonus based on individual and company performance. Salaries are adjusted according to market in CA, NY Metro and Seattle. Benefits & EEO
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 and instructions.
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