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Synchrony AVP, Portfolio Credit - Lowe's in CANTON, Ohio

Job Description:

Role Summary/Purpose:

Provide analytical support and credit reporting for all Lowe's portfolio product lines – Consumer & Commercial. 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 Lowe's, the designated client team, and with key stakeholders of Synchrony.

This position is remote, where you have the option to work from home. On occasion we may request for you to commute to our Charlotte for in person engagement activities such as team meetings, training and culture events. We’re proud to offer you choice and flexibility.

Essential Responsibilities:

  • Perform & drive analytics under guidance of Lowe’s Portfolio Risk Leader to grow the business, control losses & enhance customer experience

  • Support portfolio growth & loss avoidance initiatives through the cardholder life cycle using advanced analytical techniques.

  • Develop credit risk management reporting across product lines & segmentations, including data gathering and analytics to effectively monitor and manage portfolio performance

  • Identify emerging trends and perform deep dives as required

  • Contribute to planning cycle with Finance, Client Development, Marketing, and other functions to ensure consistency in business plans, including forecasting of losses & analyzing variances

  • Prepare and deliver client and internal presentations

  • Understand and monitor the operational risks of the portfolio

  • Enhance strategies using champion/challenger learnings to manage credit and fraud risk

  • Ensure credit & fraud strategies are performing as expected

  • Investigate and resolve various customer and client issues & identify strategy enhancement opportunities

  • Enforcement of existing Bank credit policies

  • Perform other duties and/or special projects as assigned

  • Develop strong partnerships with external client team and internal business partners


  • 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, 6+ 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

  • 1+ years' experience with advanced Excel knowledge including Pivot tables, charts, lookups, functions, modeling calculations, etc.

Desired Characteristics:

  • 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

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 24 months’ time in position before they can post. All internal employees must have at least a “consistently meets expectations” performance rating 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 requirement).

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.

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.

The salary range for this position is 65,000.00 - 130,000.00 USD Annual

Salaries are adjusted according to market in CA and Metro NY and some positions are bonus eligible.

Grade/Level: 10

Job Family Group:

Risk Management