AVP - Acquisition Credit Strategy - Credit Analytics (L10) 5 Locations

Job Description:

Role Title: AVP - Acquisition Credit Strategy - Credit Analytics (L10)

Company Overview: Synchrony (NYSE: SYF) is a premier consumer financial services company delivering one of the industry’s most complete digitally enabled product suites. Our experience, expertise and scale encompass a broad spectrum of industries including digital, health and wellness, retail, telecommunications, home, auto, outdoors, pet and more.

• We have recently been ranked #2 among India’s Best Companies to Work for by Great Place to Work. We were among the Top 50 India’s Best Workplaces in Building a Culture of Innovation by All by GPTW and Top 25 among Best Workplaces in BFSI by GPTW. We have also been recognized by AmbitionBox Employee Choice Awards among the Top 20 Mid-Sized Companies, ranked #3 among Top Rated Companies for Women, and Top-Rated Financial Services Companies.

• Synchrony celebrates ~52% women diversity, 105+ people with disabilities, and ~50 veterans and veteran family members.

• We offer Flexibility and Choice for all employees and provide best-in-class employee benefits and programs that cater to work-life integration and overall well-being.

• We provide career advancement and upskilling opportunities, focusing on Advancing Diverse Talent to take up leadership roles.
   

Organizational Overview: Credit Team decisions credit actions across the lifecycle of a customer – from acquisition to account management to collections and recover – we work towards managing credit and fraud losses and elevating customer experience through powerful and proprietary insights on customer risk and credit behaviors. The actionable insights are driven by access to numerous alternative data sources, new age technologies, focused strategies, emerging algorithms, and predictive precision. Spread across 10 pillars the credit team in India caters to the entire gamut of decision sciences, from data management to model development to strategy design, and bringing it all to life through technology, and managing within the guardrails of our regulatory requirements. As part of the team, you will have access to some unique product propositions, functional and leadership training, interaction with executive leadership team and a myriad of diverse perspectives.
 

Role Summary/Purpose:

AVP, Acquisition Credit Strategy will have the opportunity to work on major business initiatives in the Credit Acquisition team that contribute to Synchrony Financials’ growth and productivity objectives. You will be responsible for developing, delivering , validating & monitor the performance of Acquisition strategies. This role enables you to work directly with the business in catering to the end-to-end analytical needs and will have the opportunity to work with cross-functional teams and leverage state of the art tools (viz., SAS, FICO AWB) and expected to manage communication rhythm with stakeholders on a regular basis. This is an Individual Contributor role and reports into VP, Acquisition Strategy Leader, within the India Credit Organization.

Key Responsibilities:

• Through data analytics, supports enterprise-wide projects with a primary focus on the One Acquisition initiative for Credit Acquisitions Program Pillar (retail lending).

• Develop portfolio, product, channel and client level map-over strategies, focused on approval rates, delinquency performance rates and or sales for our clients, dealers and providers based on the requirement.

• Assist as a data liaison for third party vendors involving retail credit acquisition pillar tools supporting the One Acquisition Program.

• Perform pre-implementation strategies and model testing validations and ensure sound strategy governance is executed.

• Ensure execution of retail credit acquisition strategies with post release implementation validation and strategy monitoring.

• Perform ad-hoc analytics as required, delivering results in a timely manner.

• Excellent communication skills in presenting finding, updates and results to senior management.

• Work cross-functionally and collaborate on projects across the organization in a fast paced environment.

• Perform other duties and/or special projects as assigned.

• Work on multiple projects simultaneously. Manage projects independently.

Required Skills/Knowledge:

• Bachelors degree with quantitative underpinning (i.e., Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) with 4+ years of experience in analytic skills and experience in analyzing data utilizing SAS/SQL/MS tools, analytics ideally in support of Risk, Credit, Consumer Lending, or other relevant professional experience and in lieu of degree 6+ years of experience.

• Minimum 4+ years of work experience with advanced SAS programming – SAS Base / SAS Stats / SAS Macros.

• Experience in managing multiple projects, organize work flow, and prioritize work assignments.

• Experience with model governance processes and model validation.

• Ability to communicate and present at all levels of management; synthesizing complex concepts in a simplified manner; all the while, using tact to build consensus and negotiate business solutions.

Desired Skills/Knowledge:

• Hands on experience in Python/PySpark.

• Natural curiosity and passion to drive change in consumer banking.

• Experience collaborating with teams of internal and external technical staff, business analysts, business and IT project managers and software support staff.

• Excellent interpersonal skills in areas such as teamwork, facilitation and presentation to business users or management teams.

• Experience with Waterfall and Agile project management methods and practices.

• Working knowledge of system platforms/tools including Experian Strategy Manager and FICO Model Builder Decision Tree.

Eligibility Criteria:

Bachelors degree with quantitative underpinning (i.e., Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) with 4+ years of experience in analytic skills and experience in analyzing data utilizing SAS/SQL/MS tools, analytics ideally in support of Risk, Credit, Consumer Lending, or other relevant professional experience and in lieu of degree 6+ years of experience.

Work Timings: This role qualifies for Enhanced Flexibility and Choice offered in Synchrony India and will require the incumbent to be available between 06:00 AM Eastern Time – 11:30 AM Eastern Time (timings are anchored to US Eastern hours and will adjust twice a year locally). This window is for meetings with India and US teams. The remaining hours will be flexible for the employee to choose. Exceptions may apply periodically due to business needs. Please discuss this with the hiring manager for more details. 

For Internal Applicants:

• Understand the criteria or mandatory skills required for the role, before applying

• Inform your manager and HRM before applying for any role on Workday

• Ensure that your professional profile is updated (fields such as education, prior experience, other skills) and it is mandatory to upload your updated resume (Word or PDF format)

• Must not be any corrective action plan (First Formal/Final Formal, PIP)

• L8+ Employees who have completed 18 months in the organization and 12 months in current role and level are only eligible.

• L08+ Employees can apply

Grade/Level: 10

Job Family Group:

Credit