AVP, Credit Analytics & Reporting

Role Summary/Purpose:

The AVP, Credit Analytics & Reporting will lead the development and delivery of insights that drive our credit performance. This role partners closely with Portfolio Management and Credit Strategy to translate account-level data into clear, actionable reporting—quantifying trends, monitoring key credit metrics, and evaluating the impact of strategy changes. The AVP will build deep expertise in credit risk management concepts and leverage one or more data visualization platforms to create compelling dashboards and analyses. As a trusted subject matter expert, this position enables data-driven decisions through rigorous performance monitoring, portfolio insights, and forward-looking analytics.

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:

• Monitor and tell the story of portfolio performance across acquisition and account management metrics. Proactively communicate emerging risk by partnering with Credit Strategy and Portfolio Credit Managers to pinpoint the “why” behind performance shifts.
• Partner cross-functionally to design, build, and continuously enhance analytics and reporting that directly aligns to evolving business needs.
• Leverage SAS and other analytics tools to source, cleanse, and structure data into analysis-ready datasets that power reliable insights.
• Build intuitive, interactive visualizations that enable leaders to drill into key portfolio drivers and quickly identify opportunities and risks.
• Turn analysis into action by delivering insights that influence credit strategies, improve performance, and drive measurable business outcomes.
• Be bold by simplifying workflows and automating repeatable processes leveraging AI —maximizing current technology and exploring new tools where it adds value.
• Support special projects and ad hoc requests as needed to advance team and business priorities.

Qualification / Requirements:

• Bachelor’s degree and minimum of 2 years of experience in analytics or in lieu of a degree 8 years of experience in retail, business, or private label credit
• 2+ years of experience in Credit, Collections, Risk, Finance, or other Data Analytics role
• 2+ year experience with SAS, SQL, or Python programming language experience
• 1+ year experience with SAS Visual Analytics or Tableau
• Ability and flexibility to travel for business as required

Desired Characteristics:

• Naturally curious, inventive, and analytical—brings creative problem-solving and strong critical thinking to ambiguous business questions.
• Insight-driven and data fluent—able to synthesize complex analyses into clear conclusions, actionable recommendations, and compelling narratives.
• Thrives in a dynamic environment—comfortable juggling multiple priorities, shifting deadlines, and rapid decision cycles without losing attention to detail.
• Hands-on experience with account-level data sources such as RDG, CDCI, and CLBP2, with the ability to translate granular data into portfolio-level insights.
• Strong cross-functional collaborator and people partner—effective working with credit/risk/finance stakeholders, known for a positive, team-oriented, and influence-based style.
• Familiarity with cloud environments and modern data technologies to enable scalable analytics and reporting.
• Advanced Excel power user—expertise in building efficient models, automating workflows, and delivering polished outputs.
• Project management capabilities—able to scope work, align stakeholders, manage timelines, and deliver high-quality results.

Grade/Level: 10

The salary range for this position is 75,000.00 - 130,000.00 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.

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.

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

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