AVP, Portfolio Credit - Lifestyle

Job Description:

Role Summary:

The role will lead the overall credit management for American Eagle portfolio within the Lifestyle Business Team. This individual acts as the key Credit interface to retail clients and client teams and requires extensive cross functional interaction including leadership and support of business and functional initiatives. The primary responsibility includes credit and operational risk evaluation; delinquency, loss and fraud mitigation; enforcement of credit policies; portfolio monitoring; input into deal structure and pricing and new program evaluation.  

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: 

• Work closely with client to minimize both Synchrony’s and the retailer’s risk, while continuing to grow the portfolio 

• Work effectively cross-functionally to drive smart growth and client satisfaction in a safe and sound manner 

• Prepare and present client facing and leadership team presentations to communicate credit performance and facilitate informed decisions 

• Work closely with the credit leader, client teams and credit strategy teams to provide data and analytics in support of portfolio growth and loss mitigation efforts 

• Be a leader in driving enhanced strategies, using champion/challenger leanings to manage credit and fraud risk 

• Provide credit oversight and support in deal renewals and pricing processes; ensure portfolio deal structure and contract(s) are consistent with risk appetite 

• Provide clear guidance to the organization on risk appetite and prudent growth 

• Maintain effective and credible challenge of critical decisions and business processes 

• Coordinate planning cycle with client teams to ensure consistency in business plans 

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

Qualifications/Requirements: 

• Bachelor’s degree and 3+ years of experience in credit, risk, or analytics; in lieu of a degree, 5+ years' experience in credit, risk or analytics  

• Strong SAS, R or Python programming skills  

• Experience analyzing large data sets to derive actionable insights  

• Strong presentation skills with the ability to interact with and present to all levels of the organization and external client/partner  

Desired Characteristics: 

• Experience developing Consumer Credit Risk or Fraud Strategies   

• Excellent analytical and presentation skills within all levels of the organization. 

• Ability to work independently with strong project management and communication skills  

• Strategic thinker with ability to develop and implement actionable plans to drive business results 

Grade/Level: 11

The salary range for this position is 90,000.00 - 155,000.00 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

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