Job Description:

QUALIFICATIONS/REQUIREMENTS:

• Bachelor’s degree and 7+ years of experience in a strategic analytical role, or in lieu of a bachelor’s degree, 11+ years of experience in strategic analytical role
• 5+ years leadership experience in portfolio management roles with strong emphasis on credit strategy, credit policy and internal/external communications
• 3+ years experience using SAS, R or Python Programming Skills
• 3+ years experience experience analyzing large data sets to derive strategic actionable credit insights
• Experience developing Consumer Credit Risk Strategies.

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.

ROLE SUMMARY/PURPOSE:

The VP, Portfolio Credit Manager - OnePay will be responsible for managing strategic elements of the OnePay program launch, development, and ongoing growth.
In this role, you will support the overall credit (portfolio and account) management of the OnePay program and client partnership, a program consisting of both of dual card and private label product. This role includes credit and operational risk evaluation; delinquency, loss and fraud mitigation; enforcement of credit policies; portfolio monitoring; and assurance of a diligent program growth trajectory. This role acts as a primary Credit interface the DV&L platform leadership, the OnePay credit risk organization, and requires extensive cross functional interaction including leadership and support of business and functional initiatives.

ESSENTIAL RESPONSIBILITIES:

• Work closely with partner to minimize both 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 the program launch
• Prepare and present partner facing and leadership team 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 on ongoing evaluation of CTC (Critical to Compliance) Risk requirements to ensure controls are adequate and work with business teams to mitigate any compliance risks
• 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 GM and growth teams to ensure consistency in business plans
• Guide, mentor and develop portfolio credit and other staff in technical and business matters
• Perform other duties and/or special projects as assigned