VP, Portfolio Credit Manager at Synchrony

Role Summary / Purpose

As the Portfolio Credit Manager for Ashley Furniture within the Home & Auto business segment you will hold full ownership of credit management activities and drive P&L outcomes that support the company’s financial objectives. You will lead credit and operational risk assessments, credit policy enforcement, delinquency and fraud mitigation, and portfolio monitoring. In addition, you will influence deal structuring, pricing strategy, and evaluation of new portfolios and programs to optimize performance. This role serves as the primary credit liaison to the clients and internal teams, requiring strong cross‑functional collaboration and leadership in delivering business and functional initiatives.

Our Way Of Working

We’re proud to offer you 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. You will be required to commute to your nearest Hub (either virtual or physical) for in‑person engagement activities such as regular business or team meetings, training and culture events.

• Field Sales and some Commercial team roles may have varied location requirements based upon partner obligations or preferences.

Essential Responsibilities

• Own the partnership with the client to minimize risk exposure for both Synchrony and the retailer partners, while strategically growing the portfolio.
• Collaborate effectively across functions to promote sustainable portfolio growth, enhance client satisfaction, and improve the customer experience within established risk guidelines.
• Develop and deliver comprehensive presentations to clients and leadership that communicate credit performance and support data‑driven decision making.
• Champion innovative credit, fraud and authentication risk strategies by leveraging champion/challenger approaches to optimize portfolio performance.
• Provide credit oversight and expert input on deal renewals, new products, and pricing decisions, ensuring alignment with the company’s risk appetite and portfolio objectives.
• Set clear expectations and guidelines regarding risk tolerance and prudent portfolio growth to internal stakeholders.
• Maintain a credible, constructive challenge to critical credit decisions and business processes to safeguard portfolio integrity.
• Lead planning and coordination efforts with client teams to align business plans and strategic priorities.
• Mentor and develop credit team members by imparting technical knowledge and fostering business acumen.
• Undertake other responsibilities and special projects as required to support organizational goals.

Qualifications / Requirements

• Bachelor’s degree with 5+ years in a strategic analytical role, or alternatively, 9+ years of equivalent strategic analytical experience without a bachelor’s degree.
• Minimum of 5 years of leadership experience in portfolio management, emphasizing credit strategy, credit policy, and effective internal and external communications.
• Strong programming skills in SAS, R, or Python with extensive experience analyzing large data sets using advanced modeling & data mining techniques to generate strategic, actionable credit insights.
• Demonstrated intellectual curiosity and a proactive approach to exploring complex credit risk challenges, continuously seeking innovative solutions and data‑driven insights to enhance portfolio performance.
• Demonstrated experience developing consumer credit risk strategies.

Desired Characteristics

• Excellent communication and presentation skills with the ability to engage and influence Synchrony senior leaders and client stakeholders.
• Proven leadership experience operating at a strategic level within cross‑functional teams.

Salary & Benefits

The salary range for this position is 135,000.00 - 230,000.00 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.

Legal and Equal Opportunity Statement

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.