AVP, Portfolio Credit Manager
Not Disclosed•Full-TimeHybrid
location_on1973, Newport Boulevard, Costa Mesa, Orange County, California, 92627, United States
This position supports the credit risk management of Travel Cobrand portfolios at Synchrony. You will serve as a key partner to retail clients, client teams, and internal stakeholders, driving the identification and management of consumer credit risk across the entire cardholder life-cycle. The role combines data gathering, advanced analytics, and strategic reporting to ensure safety and soundness while fostering smart growth.
You will act as a leader in developing enhanced strategies, utilizing champion/challenger methodologies to balance credit and fraud risk. Your work will directly influence informed decision-making through client-facing presentations and by providing critical analytics for deal and promotional pricing activities. Additionally, you will coordinate multisite and country resources to ensure the accuracy of monthly management information systems (MIS) and reporting requirements.
At Synchrony, we value flexibility. This role offers the option to work from home near one of our Hubs or to work from one of our offices. You will be required to commute to your nearest Hub (virtual or physical) for in-person engagement activities, including regular business or team meetings, training, and culture events. Please note that specific location requirements may vary for Field Sales and certain Commercial team roles based on partner obligations.
When you join Synchrony, you become part of an inclusive culture where individual skills, experience, and voices are not only heard but valued. We are building a future where everyone can belong, connect, and turn ideals into action. More than 50% of our workforce participates in Employee Resource Groups (ERGs), creating safe spaces where community and passion intersect to foster learning and growth.
We are proud to maintain an award-winning culture. 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.
We are committed to providing reasonable accommodations to qualified individuals with disabilities throughout the application and interview process. If you require an accommodation to apply for a job or to perform your duties, please contact our Career Support Line at 1-866-301-5627 (8am – 5pm CST, Monday to Friday). Representatives are available to discuss your specific situation regarding alternate formats, specialized equipment, or other needs.
Legal authorization to work in the U.S. is required for this position. We will not sponsor individuals for employment visas, now or in the future.
Work model: Hybrid
1973, Newport Boulevard, Costa Mesa, Orange County, California, 92627, United States
Costa Mesa, California
Superb communication skills and experience with interacting successfully at all levels within the Credit organization. Outstanding collaborative and team management style. Ability to multitask and perform in a fast-paced environment. Demonstrated problem-solving and critical-thinking skills. Fraud/Consumer finance experience. Experience with Python. Proven ability to work with various data sources, data warehouses and database tools.
Skills: Sas, SQL, R, Python, Credit Risk, Fraud, Data Analysis, Data Warehousing, Database Tools.
Education: Bachelor's degree in Credit/Risk, Finance, or Analytics (or 8+ years experience); High school diploma or equivalent required for eligibility.
