AVP, Portfolio Credit Management – PayPal & Venmo

Job Description:

Role Summary/Purpose:

Support Synchrony credit and analytics strategy development and evaluate financials of credit strategy proposals for Venmo and all PayPal branded portfolios.  Identify and manage risk, credit and operational in nature, across all components of the cardholder lifecycle through data gathering and analytics. Will support and interact with PayPal and Venmo, the designated client team, and with key stakeholders of Synchrony.

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:

• Drive and coordinate Loss Avoidance Initiatives across all clients
• Support portfolio growth through close interaction with the PayPal and Venmo credit teams, Senior PCMs, and the client team
• Design enhanced surveillance processes to monitor and control credit exposure
• Provide reporting and analysis for all product lines including consumer and commercial asset
• Enforcement of existing Bank credit policies
• Prepare and deliver client and internal presentations
• Understand and monitor the operational risks of the portfolio
• Support driving enhanced strategies, using champion/challenger learnings to manage credit and fraud risk
• Ensure credit strategies are performing as expected
• Participate in planning cycle with Finance, Client Development, Marketing, and other functions to ensure consistency in business plans
• Investigate and resolve various customer and client issues
• Perform other duties and/or special projects as assigned

Qualifications/Requirements:

• Bachelor’s degree and 2+ years of experience in a consumer and/or commercial Credit/Risk, Finance or Analytics role; or in lieu of a Bachelor's degree, 4+ years of experience in a consumer and/or commercial Credit/Risk, Finance or Analytics role
• 1+ years' experience in SAS, SQL or other related analytic tools
• Leadership experience operating at a strategic level as part of a cross functional team
• Experience operating as part of a cross functional team
• Use of advanced technical & analytical competencies in driving effective strategic goals
• Strong communication and presentation skills
• Familiarity with consumer and commercial lending products and practices
• Advanced experience with SAS/SQL or other related analytic tools
• 1+ years' experience in SAS, SQL or other related analytic tools
• Leadership experience operating at a strategic level as part of a cross functional team
• Experience operating as part of a cross functional team
• Use of advanced technical & analytical competencies in driving effective strategic goals
• Strong communication and presentation skills
• Familiarity with consumer and commercial lending products and practices
• Advanced experience with SAS/SQL or other related analytic tools
• Grade/Level: 10

Grade/Level: 10

Desired Characteristics:

The salary range for this position is 100,000.00 - 170,000.00 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:

Credit