VP, Portfolio Credit Manager – Health and Wellness

Role Summary / Purpose The VP, Portfolio Credit Manager – Health and Wellness will be responsible for managing strategic elements of HW account management development and ongoing this role you will support the overall credit (portfolio and account) management of the HW program and strategic client partnerships, a program consisting of dual card and private label products.This role includes credit and risk evaluation, delinquency, loss and fraud mitigation, enforcement of credit policies, portfolio monitoring, and ensuring a diligent program growth trajectory. It acts as the primary credit interface to HW leadership and the HW credit risk organization, requiring extensive cross‑functional interaction and support of business and functional initiatives.Our Way of Working We’re proud to offer flexibility. At Synchrony, you may work from home, near one of our Hubs, or in an office. Occasionally you may need to commute or travel for in‑person engagement activities such as business or team meetings, training, and culture events.Essential ResponsibilitiesWork closely with partners to minimize Synchrony’s risk while continuing to grow the portfolio.Work effectively cross‑functionally to drive smart growth and partner satisfaction in a safe and sound manner.Develop a robust performance monitoring plan for all HW processes.Prepare and present partner‑facing and leadership team presentations to communicate credit performance and facilitate informed decisions.Lead enhanced strategies, using champion/challenger leanings to manage credit and fraud risk.Execute ongoing evaluation of CTC (Critical to Compliance) Risk requirements to ensure controls are adequate and work with business teams to mitigate any compliance risks.Provide clear guidance to the organization on risk appetite and prudent growth.Maintain effective and credible challenge of critical decisions and business processes.Coordinate planning cycle with GM and growth teams to ensure consistency in business plans.Guide, mentor and develop portfolio credit and other staff in technical and business matters.Perform other duties and/or special projects as assigned.Qualifications / RequirementsBachelor’s degree and 3+ years of experience in a strategic analytical role, or in lieu of a bachelor’s degree, 11+ years of experience in a strategic analytical role.3+ years leadership experience in portfolio management roles with strong emphasis on credit strategy, credit policy and internal/external communications.3+ years experience using SAS, R or Python programming skills.3+ years experience analyzing large data sets to derive strategic actionable credit insights.Experience developing Consumer Credit Risk Strategies.Ability and flexibility to travel for business as required.Desired CharacteristicsExperience using advanced modeling and data mining techniques (e.g., machine learning, big data) to develop/optimize credit strategies.Leadership experience operating at a strategic level as part of a cross‑functional team.Master’s degree or MBA with an advanced analytic focus, or an equivalent advanced degree.Strong communication and presentation skills and the ability to interact with and present to senior leaders and partners.Experience creating and leading organizational pensation Grade/Level:12 Salary range:135,000.00 - 230,000.00 USD annually, eligible for an annual bonus based on individual and company performance.Eligibility RequirementsYou 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).All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or age.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.Reasonable Accommodation NoticeFederal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please let us know if you require a reasonable accommodation to apply for a job or to perform your job. Examples 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 8 am – 5 pm Monday to Friday, Central Standard Time.Job Family Group Credit#J-18808-Ljbffr

Created: 2026-03-04