Job Description:

Role Title:Manager, Portfolio Credit Analytics (L09)

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 Ambition Box Employee Choice Awards among the Top 20 Mid-Sized Companies, ranked #3 among Top Rated Companies for Women, and Top-Rated Financial Services Companies.
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 recovery - 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 unique product propositions, functional and leadership training, interaction with executive leadership team and a myriad of diverse perspectives.

Role Summary/Purpose:

Manager, Portfolio Credit Analytics will be responsible for providing end to end analytical support and solutions to PCMs supporting PayPal & Venmo within the Digital platform space. The role requires collaboration with Client, Strategy, Finance and Marketing teams to provide analytical support & development of strategies, products, and capabilities. It further requires an understanding of products, data, processes and the use analytical methods/tools for credit/fraud risk evaluation, delinquency/loss mitigation and portfolio monitoring. The position reports into VP, Portfolio Credit Analytics Leader within the India Credit Organization.

Key Responsibilities:

Partnering with PCMs to understand analytic needs and provide insight and recommendations to support portfolio growth and loss mitigation.
Own reporting and detailed performance reviews to support data-driven decision-making, e.g. underwriting metrics, channels, spend behavior, delinquency, and fraud trends.
Support credit & fraud initiatives, including pre/post-launch performance tracking and champion/challenger testing.
Identify the key trends associated with portfolios using analytics and help the business deploy necessary strategies to mitigate credit & fraud losses.
Ability to solve business problems as well as coordinate credit & fraud tasks in cross-functional projects.
Study and analyze existing business trends and provide actionable insights to increase profitability / reduce losses.
Responsible for developing new and/or maintaining existing daily/weekly/monthly reporting (e.g. Acquisition & Account Management credit & fraud metrics).
Partner with Commercial and other teams in researching ad hoc questions / customer complaints and improving CX.
Work cross-functionally to support the implementation of new products and capabilities.
Work on multiple projects simultaneously and manage projects across portfolios.
Expand support to other PCMs and team members based on need.
Perform other duties, as necessary.

Required Skills/Knowledge:

Bachelor's degree with quantitative focus (i.e., Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) with 1+ years of experience in consumer and/or commercial Credit/Risk, or Analytics role. OR in lieu of a degree, 2+ years of experience in Programming/Analytics ideally in support of Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience and 4+ years of relevant experience in lieu of a degree
1+ years of experience in SAS
1+ years of experience in Tableau
Ability to work with large or complex datasets.
Experience working with cross-functional project teams.
Excellent analytical and presentation skills.
Strong PC proficiency (Microsoft Suite, including: Word, Excel and PowerPoint).
Strong self-starter balanced with desire to achieve team goals.
Ability to handle sensitive issues with uncompromising integrity and confidentiality.

Desired Skills/Knowledge:

1+ years of demonstrated success developing and delivering analytics solutions.
Proven analytical and decision-making skills.
Strong presentation skills with ability to interact with different teams.
Strong communications, problem solving skills & attention to detail.
Demonstrated ability to apply strategic thinking toward tactical execution.

Eligibility Criteria:

Bachelor's degree with quantitative underpinning (i.e., Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) with 1+ years of experience in consumer and/or commercial Credit/Risk, or Analytics role. OR in lieu of a degree, 2+ years of experience in Programming/Analytics ideally in support of Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience and 4+ years of relevant experience in lieu of a degree.

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 (Formal/Final Formal)
L4-L7 Employees who have completed 12 months in the organization and 12 months in their current role and level are only eligible.
L8+ Employees who have completed 18 months in the organization and 12 months in their current role and level are only eligible.
Employees at L4+ can apply for this opportunity.

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