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Job Description:

Role Summary/Purpose:

The SVP, Chief Credit Officer H&A Platform will spearhead the credit management efforts for all Home & Auto clients. The CCO will play a critical role in leading the credit strategy, risk management, and decisioning framework for Synchrony's home and automotive lending portfolios. This executive will ensure the platform's credit quality aligns with corporate risk appetite while supporting growth ambitions and delivering an exceptional customer experience.

Key responsibilities include ensuring the financial integrity of deal pricing by managing credit and fraud loss exposures and delivering targeted returns for H&A 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 H&A platform clients, the Home & Auto Platform CEO, and commercial leadership to align credit risk strategies with overall business objectives.

_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:

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

+ Provide the guidance to all H&A 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 H&A 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 H&A 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; in lieu of a degree 15+ years of experience in consumer risk management

+ 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

+ Significant travel required (may be 50%+)

+ **Ability and flexibility to travel for business as required**

Desired Characteristics:

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

+ 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

+ 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: 16

The salary range for this position is **235,000.00 - 390,000.00** USD Annual. This position is also eligible for an Annual Incentive Plan target of 30% of salary and an Annual Equity target of 30% of salary.

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:

Credit