Senior Analyst, Credit Operations Modeling

About the role

Synchrony's Credit and Capital Management group is seeking a data scientist / credit risk modeling professional experienced with executing, maintaining, and developing models under relevant regulatory guidance (SR 11-7 / OCC 2011-12, CECL, CCAR, DFAST). This role is part of the Reserves & Loss Forecasting team within Credit and Capital Management.

The primary focus is on the quarterly reserve development process and planning sessions involving loss forecast and reserve estimate projections. As lead analyst, you will execute critical credit estimation models, analyze trends and drivers across the Synchrony portfolio, and produce robust collateral to support process risk controls and governance. Collaboration with cross-functional teams, IT, and model development is essential to manage model enhancements and big data processing.

Responsibilities

• Plan and execute models in the production Reserves and Loss Forecasting process, focusing on CECL and allied quantitative estimates such as recoveries, scenario management, and stress testing.
• Maintain model data input monitoring, production controls, and output analytics, including results analysis and robust documentation.
• Support the quarterly review process, quarter-closing activities, and contribute to effective process controls as a peer reviewer.
• Visualize insights, performance, and trends in inputs/outputs for effective communication and decision-making.
• Drive understanding of drivers and provide narrative support for assumptions, rationale, and projections to model owners and sponsors.
• Assist with responding to model validation, regulatory, or other oversight requests, including exam findings or issues, while adhering to model governance standards.
• Support the development of new models or enhancements to existing models.
• Aid in managing models through their lifecycle, from development to implementation, including performance assessments, model version control, and process improvements.
• Collaborate with cross-functional teams, including Forecasting, Reserve and Stress Testing/Capital Management, Model Development, Data Governance, Finance, Collections, and Controllership.
• Perform other duties and/or special projects as assigned.

Requirements

• Bachelor's degree with a quantitative focus (e.g., Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) and 5+ years of experience in programming/analytics within Risk, Credit, Finance, Accounting, Consumer Lending, or related fields. Alternatively, 9+ years of relevant experience without a degree.
• 5+ years of experience demonstrating strong programming skills in SQL, Python, Spark, and hands-on experience with Linux, Hadoop, and statistical analysis.
• Ability and flexibility to travel for business as required.

Qualifications

• Excellent time management with the ability to handle multiple competing initiatives and deliver results under deadlines with accuracy.
• Experience in process improvement, project management, or change management.
• Familiarity with Model Governance trends/developments in the banking sector, particularly related to credit card or consumer lending (SR 11-7).
• Strong communication skills to facilitate complex discussions productively and collaboratively.
• Positive mindset under tight timelines and critical deliverables.
• Experience with Linux, HDFS, and AWS for cloud computing collaboration.

Pay

The salary range for this position is $85,000 - $140,000 USD annually, with eligibility for an annual bonus based on individual and company performance. Actual compensation will be based on work experience, skill level, or knowledge. Salaries are adjusted according to market in CA, NY Metro, and Seattle.

Schedule

This role offers flexibility with the option to work from home near one of Synchrony’s Hubs or in an office. You will be required to commute to your nearest Hub (virtual or physical) for in-person engagement activities such as regular business or team meetings, training, and culture events.