About The Role

Role Summary/Purpose

Lead Health & Wellness Credit Acquisitions strategy development efforts. Drive acquisitions credit strategies, initiatives, enhancements, projects and new tools for the CareCredit markets. Work closely with business and portfolio leadership to establish strategic direction for each health care market. Work cross functionally to ensure risk strategies are performing as expected. This position is currently remote, where you’ll be work from home, but may be required to work in one of our offices in the future or occasionally commute to one our offices for in person engagement activities such as team meetings, training and culture events.

Our Way of Working

We’re proud to offer you 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. You will be required to commute to your nearest Hub (either virtual or physical) for in-person engagement activities such as regular business or team meetings, training and culture events.

*Field Sales and some Commercial team roles may have varied location requirements based upon partner obligations or preferences.

Essential Responsibilities

Lead the development and tracking of portfolio, product and client level strategies that minimize both Synchrony’s and the CareCredit markets’ credit risk, while continuing to grow the portfolio and balancing the risk-reward tradeoff
Proactively make recommendations for tactical and strategic action plans for execution within Credit Risk and other functional areas as needed by collecting and analyzing data from various sources to identify portfolio risks and opportunities
Initiate and lead acquisitions credit strategy initiatives as well as enhancement projects using the latest development techniques and test/control processes
Actively seek out vendors of new and innovative tools to mitigate credit and fraud risk; partner with Fraud team to assist in evaluations as needed
Ensure functionality, processes and strategies support both business and client objectives
Ensure effective pre-implementation strategy reviews and model validations are executed
Implement credit monitoring and tracking systems designed to quantify the differences in effectiveness of challenger strategies
Drive enhanced strategies, using champion/challenger learnings to mitigate credit losses while driving growth
Provide Acquisitions Risk Strategy development support for new products, channels and other enterprise-wide projects
Evaluate multiple data sources to evaluate and uncover insights and integrate into acquisition strategies
Ongoing communication including updates to senior leadership and delivery on strategic initiatives
Work with portfolio teams to ensure consistency in business plans
Leverage and incorporate breadth of portfolio acquisitions risk management experience into value-added best practices
Perform data analysis to support advanced analytics initiatives
Independently extract and analyze data from multiple technology systems/platforms and related data sources
Perform other duties and/or special projects as assigned

Qualifications/Requirements

Bachelor’s degree and 5+ years’ experience in strategic risk management role, or in lieu of a degree, 9+ years’ experience in strategic risk management
3+ years’ experience in a risk strategy development role
3+ years SAS programming experience (proficient level)
Hands on experience with statistical tools such as SAS VA, Model Builder Decision Tree, and Knowledge Studio
Ability and flexibility to travel for business as required

Desired Characteristics

3+ years of experience performing data analytics and analyzing trends
3+ years of advanced programming with C++, R, and/or Python • 3+ years working with large data sets
Exposure to big data tools (Hadoop, Spark, Sqoop, etc.)
Experience with machine learning, AI, and/or statistical algorithms
Leadership experience operating at a strategic level as part of a cross functional team
Strong communication and presentation skills and the ability to interact with and present to SYF senior leaders
Master’s Degree or MBA with advanced analytic focus, or equivalent advanced degree

Grade/Level: 12

The salary range for this position is 135,000.00 - 230,000.00 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.

Our Way of Working

*Field Sales and some Commercial team roles may have varied location requirements based upon partner obligations or preferences.

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 be able to 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 your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations).

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.

Our Commitment

When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but 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 our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow.

This starts when you choose to apply for a role at Synchrony. 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. We’re proud to have an award-winning culture for all.

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. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.
If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time