AVP, Portfolio Credit - Lifestyle

Job Description:

Role Summary/Purpose:

The role will lead the overall credit management for Chico’s 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

Qualifications/Requirements:

• Bachelor’s degree and 4+ years of experience in credit, risk, or analytics; in lieu of a degree, 6+ 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 115,000.00 - 200,000.00 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

• 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

Job Family Group: