VP, Portfolio Credit Manager

About the role

Synchrony is more than a financial services company, we’re a team of passionate innovators committed to delivering best-in-class solutions that support millions of customers across the U.S. With a bold focus on technology, data, and digital innovation, we create meaningful experiences that simplify lives and enable financial wellness.

When you join Synchrony, you become part of an inclusive culture where your voice matters, your growth is championed, and your work drives impactful results.

Job Description

Job ID: 2601908
Category: Credit & Risk
Date posted: 06/30/2026

Role Summary/Purpose:

As the Portfolio Credit Manager for Ashley Furniture within the Home & Auto business segment you will hold full ownership of credit management activities and drive P&L outcomes that support the company’s financial objectives. You will lead credit and operational risk assessments, credit policy enforcement, delinquency and fraud mitigation, and portfolio monitoring. In addition, you will influence deal structuring, pricing strategy, and evaluation of new portfolios and programs to optimize performance. This role serves as the primary credit liaison to the clients and internal teams, requiring strong cross-functional collaboration and leadership in delivering business and functional initiatives.

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.

Essential Responsibilities

• Own the partnership with the client to minimize risk exposure for both Synchrony and the retailer partners, while strategically growing the portfolio.
• Collaborate effectively across functions to promote sustainable portfolio growth, enhance client satisfaction, and improve the customer experience within established risk guidelines.
• Develop and deliver comprehensive presentations to clients and leadership that communicate credit performance and support data-driven decision making.
• Champion innovative credit, fraud and authentication risk strategies by leveraging champion/challenger approaches to optimize portfolio performance.
• Provide credit oversight and expert input on deal renewals, new products, and pricing decisions, ensuring alignment with the company’s risk appetite and portfolio objectives.
• Set clear expectations and guidelines regarding risk tolerance and prudent portfolio growth to internal stakeholders.
• Maintain a credible, constructive challenge to critical credit decisions and business processes to safeguard portfolio integrity.
• Lead planning and coordination efforts with client teams to align business plans and strategic priorities.
• Mentor and develop credit team members by imparting technical knowledge and fostering business acumen.
• Undertake other responsibilities and special projects as required to support organizational goals

Qualifications/Requirements

• Bachelor’s degree with 5+ years in a strategic analytical role, or alternatively, 9+ years of equivalent strategic analytical experience without a bachelor’s degree.
• Minimum of 5 years of leadership experience in portfolio management, emphasizing credit strategy, credit policy, and effective internal and external communications.
• Strong programming skills in SAS, R, or Python with extensive experience analyzing large data sets using advanced modeling & data mining techniques to generate strategic, actionable credit insights.
• Demonstrated intellectual curiosity and a proactive approach to exploring complex credit risk challenges, continuously seeking innovative solutions and data-driven insights to enhance portfolio performance.
• Demonstrated experience developing consumer credit risk strategies.

Desired Characteristics

• Excellent communication and presentation skills with the ability to engage and influence Synchrony senior leaders and client stakeholders.
• Proven leadership experience operating at a strategic level within cross-functional teams.

Pay

The salary range for this position is 135,000.00 - 230,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance.

Schedule

Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge.

Benefits

Our benefits and rewards reflect our culture and our values. We listen closely to our employees and continuously evolve how we support them. Putting people first means empowering you to bring your best self to work every day.

Investing in You

Whether you’re joining us to explore new opportunities, grow your financial security, enjoy greater flexibility, or all of the above, we’re committed to helping you achieve your unique ambitions.

Living Our Values

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. Occasionally you may be required to commute or travel for in person engagement activities such as business or team meetings, training and culture events.

Employee Resource Groups (ERGs)

More than 50% of our workforce is actively engaged with our 8 Employee Resource Group (ERGs). These groups are open for everyone to join, regardless of level, background, or life experiences, so all employees can have the opportunity to be passionate about their interests while fostering connections and driving meaningful initiatives at work. Their ideas turn into actions through passion and help Synchrony be a place where everyone feels welcomed, valued and accepted.