VP, Portfolio Credit Manager

About the role

Location: Charlotte, North Carolina; Stamford, Connecticut; Alpharetta, Georgia; Chicago, Illinois; New York, New York; Canton, Ohio; West Chester, Ohio; Dallas, Texas
Salary: 135,000.00 - 230,000.00 USD Annual

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.

Benefits

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.

Eligibility Requirements

• You 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).

Legal authorization to work in the U.S.

Reasonable Accommodation Notice: Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation 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.

Our Commitment

We are committed to creating a workplace where everyone feels welcomed, valued, and accepted. We believe that diversity and inclusion are essential to our success and are committed to fostering a culture where all employees can thrive.

Employee Resource Groups (ERGs)

More than 50% of our workforce is actively engaged with our 8 Employee Resource Groups (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.