SVP – Digital Portfolio Credit Leader-Paypal @ Synchrony Financial

Job Description:

Role Summary/Purpose:

The SVP Portfolio Credit Leader will be responsible forleading a team in the overall Credit Management efforts for the PayPal program (i.e. PayPal Credit, PayPal Cobrand portfolios and Venmo). The primary responsibility of the role is to manage to the financial commitments of the deal pricing inclusive of credit and fraud losses, along with return for the PayPal Credit/PayPal Co-Brand portfolios/Venmo. Other aspects of the role include credit and operational risk evaluation, delinquency/loss mitigation, portfolio monitoring and contributing to Acquisition and Account Management credit and fraud strategies. The role acts as the lead credit interface with the commercial leadership team for the client and co-chair the client Risk Management Committee.

Essential Responsibilities

Responsible for mitigating portfolio credit and fraud losses

Lead a multi-portfolio credit team of ~8 professionals in managing credit and fraud losses and driving prudent growth for the PayPal Credit, PayPal Co-Brand and Venmo portfolios.

Co-Chair the PayPal/Venmo Risk Management Committee in partnership with the client to jointly agree on Risk Management Policies

Work closely with the partner to minimize both Synchrony’s and the partner’s risk, while continuing to grow both portfolios.

Work effectively in the cross functional leadership team to drive prudent growth and client satisfaction delivering safety and soundness in both portfolios.

Prepare and deliver client facing and leadership team presentations to facilitate informed decisions.

Be a leader in driving enhanced strategies, using champion/challenger leanings to manage credit and fraud risk.

Provide analytics and input for deal and promotional pricing activities Coordinate multisite/country resources to ensure delivery and accuracy of monthly MIS and reporting needs to meet internal and external requirements.

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.

Ensure deal structure and contract(s) for the PayPal Credit and Co-Brand portfolios/Venmo are consistent with Synchrony’s risk appetite.

Perform other duties and/or special projects as assigned

Qualifications/Requirements

Bachelor's Degree and 15+ years of experience in consumer risk management, credit management, or similar role; in lieu of a degree 18+ years of experience in consumer risk management, credit management, or similar role

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

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

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

Desired Characteristics

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

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

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 a diverse, inclusive culture where your skills, experience, and voice are not only heard—but valued. We celebrate the differences in all of us and believe that our individual, unique perspectives is what makes Synchrony truly a great place to work. Together, we’re building a future where we can all belong, connect and turn ideals into action. Through the power of our 8 Diversity Networks+, with more than 60% of our workforce engaged, you’ll find community to connect with an opportunity to go beyond your passions.

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.

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

SVP – Digital Portfolio Credit Leader-Paypal

Synchrony Financial

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