VP, Portfolio Credit Manager – Health and Wellness

Role Summary/

Purpose:

The VP, Portfolio Credit Manager – Health and Wellness will be responsible for managing strategic elements of HW account management development, and ongoing growth.

The VP, Portfolio Credit Manager – Health and Wellness will support the overall credit (portfolio and account) management of the HW program and strategic client partnerships, a program consisting of dual card and private label product.

This role includes credit and risk evaluation; delinquency, loss and fraud mitigation; enforcement of credit policies; portfolio monitoring; and assurance of a diligent program growth trajectory. The VP will act as the primary credit interface to HW leadership, the HW credit risk organization, and will require extensive cross‑functional interaction.

We’re proud to offer flexibility. At Synchrony, you may work from home, near one of our Hubs, or in one of our offices. Occasionally you may need to commute or travel for in‑person engagements such as meetings, training and culture events.

• Work closely with partner to minimize Synchrony’s risk while continuing to grow the portfolio
• Work effectively cross‑functionally to drive smart growth and partner satisfaction in a safe and sound manner
• Develop a robust performance monitoring plan for all HW processes
• Prepare and present partner‑facing and leadership presentations to communicate credit performance and facilitate informed decisions
• Be a leader in driving enhanced strategies, using champion/challenger leanings to manage credit and fraud risk
• Execute ongoing evaluation of CTC (Critical to Compliance) risk requirements to ensure controls are adequate and mitigate compliance risks with business teams
• Provide clear guidance on risk appetite and prudent growth
• Maintain effective and credible challenge of critical decisions and business processes
• Coordinate planning cycle with GM and growth teams for consistent business plans
• Guide, mentor and develop portfolio credit and staff in technical and business matters
• Perform other duties and/or special projects as assigned

• Bachelor’s degree and 3+ years of experience in a strategic analytical role, or 11+ years of experience in lieu of a bachelor’s degree
• 3+ years leadership experience in portfolio management with emphasis on credit strategy, policy and communications
• 3+ years experience using SAS, R or Python
• 3+ years experience analyzing large data sets to derive strategic actionable credit insights
• Experience developing consumer credit risk strategies
• Ability and flexibility to travel for business as required

• Experience with advanced modeling and data mining techniques (e.g., machine learning, big data)
• Leadership experience operating at a strategic level within a cross‑functional team
• Master’s degree or MBA with advanced analytic focus, or equivalent
• Strong communication and presentation skills to interact with senior leaders
• Experience creating and leading organizational change

Grade/Level: 12

Salary Range: $ – $ USD Annual, eligible for an annual bonus based on individual and company performance. Salary will be adjusted according to market in CA, NY Metro and Seattle.

• Must be 18 years or older
• Must have a high school diploma or equivalent
• Must be willing to take a drug test, submit to a background investigation and provide fingerprints as part of onboarding
• Must satisfy Section 19 of the Federal Deposit Insurance Act
• New hires (Level 4‑7) must have 9 months of continuous service before eligible to post on other roles;
  Level 8+ at least 18 months; internal employees must meet performance expectations and manager approval

Legal authorization to work in the U.S. is required. We will not sponsor 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.

When you join us, you’ll be part of an inclusive culture where your skills and voice are valued. Together, we’re building a future where we can all belong, connect and turn ideals into action. More than 50% of our workforce is engaged in Employee Resource Groups, providing a safe space to learn and grow. We ensure all qualified applicants receive consideration without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability or veteran status.

• Federal law requires reasonable accommodation for qualified individuals with disabilities. We can provide accommodations such as changes to the application process, alternate formats, sign language interpreters or specialized equipment.
• To request accommodations, call Career Support Line at 1‑866‑301‑5627, Monday‑Friday 8 am‑5 pm CST.

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