SVP Digital Platform Chief Credit Officer and Business Development Credit Leader

Job Description:

Role Summary/Purpose:

The SVP Digital Platform Chief Credit Officer and Business Development Credit Leader will spearhead the credit management efforts for all Digital Platform clients. This leadership role is also responsible for overseeing credit-related activities that support both the Business Development and Pricing teams across all SYF platforms. Key responsibilities include ensuring the financial integrity of deal pricing by managing credit and fraud loss exposures and delivering targeted returns for digital clients. The role encompasses comprehensive credit and operational risk assessments, delinquency and loss mitigation strategies, portfolio performance monitoring, and active contribution to credit and fraud strategies within Acquisition and Account Management functions. As the primary credit risk liaison, this role collaborates closely with digital platform clients, the Digital Platform CEO, and commercial leadership to align credit risk strategies with overall business objectives.

Essential Responsibilities:

• Responsible for managing portfolio credit and fraud losses as well as portfolio returns 

• Provide the guidance to all digital portfolio credit managers in managing credit and fraud losses and driving prudent growth for SYF and our clients 

• Work closely with the partners to minimize both Synchrony’s and the partners’ risk, while continuing to grow all digital clients. 

• Oversee and lead all credit related activities that support both the business development team and pricing team for all potential prospect clients and existing renewals across all SYF clients

• Work effectively in the cross functional leadership team to drive prudent growth and client satisfaction delivering safety and soundness in all digital clients. 

• Prepare and deliver client facing and leadership team presentations to facilitate informed decisions. 

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

• Responsible for providing clear guidance to the organization on risk appetite and prudent growth. 

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

• Perform other duties and/or special projects as assigned 

Qualifications/Requirements:

• Bachelor's Degree and 12+ years of experience in consumer risk management, credit management, or similar role 

• 10+ years’ leadership experience in enterprise portfolio credit risk management for consumer accounts 

• 4+ years of experience interacting and engaging with clients/partners directly or via strategy design and deployment to achieve business objectives 

• 7+ years of experience guiding development of Consumer Credit Risk Strategies 

• 2+ years of experience with SAS/SQL or other data analytics tools 

• 8+ years’ experience managing professionals 

• Strong overall knowledge of card business including risk, collections, operations, marketing and finance – to understand integration of and impact on credit decisions 

• Strong Financial Analysis skills; ability to assess/understand the impact of credit and underwriting decisions and implementation on portfolio performance 

• Experience leveraging data to engage, influence and share a compelling story to various levels within the organization and with the client  

• Significant travel required (may be 50%+)

Desired Characteristics:

• Master's Degree or MBA with advanced analytic focus, or equivalent 

• Effective leadership and talent management  

• Ability to communicate clearly and leverage critical thinking  

• Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area 

• Familiarity with consumer and commercial lending products and practices Experience operating at a strategic level as part of a senior leadership team 

• Strong industry and business knowledge including fundamental knowledge of P&L and Credit Products and Lifecycle ​

Grade/Level: 17<