AVP, Credit Forecasting & Analytics (L11)

JOB_POSTING-3-74707-1

Job Description :

Role Title : AVP, Credit Forecasting & Analytics (L11)

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 AmbitionBox 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 recover – 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 some unique product propositions, functional and leadership training, interaction with executive leadership team and a myriad of diverse perspectives.

Role Summary / Purpose :

Synchrony's Credit group is seeking credit risk analytics professional experienced in detailed consumer credit analytics using complex, large volume, multi-dimensional data. This role is part of Credit Department, supporting the Credit Forecasting & Advanced Analytics function. The role requires demonstrated expertise with data analysis, as well as conversant with tabulation skills (advanced excel / pivots, Python / PySpark, SAS / SQL) and visualization software such as Tableau.

The key focus areas for this role is credit and fraud analysis, supporting the US function of Credit Forecasting & Advanced Analytics. This will involve utilizing predictive models, analyzing performance data, drawing analytical linkages with endogenous and exogenous variables to produce actionable analyses. This includes developing, executing and monitoring forecasting frameworks, process automation, and governance aligned with regulatory and internal controls. The objective is to support the credit forecasting and reserves sub-functions in execution of the periodical processes by generating analytical insights, and impactful reporting ensuring accuracy, efficiency, and scalability of execution through advanced analytics.

The person will approach projects with analytical rigor, coaching their team, appropriately prioritizing deliverables and continuing upskilling their team's knowledge base in credit strategies, macroeconomic and market space trends, and advanced analytical techniques. A successful candidate must have team management experience, and strong analytical skills. This role works closely with process teams / modeling teams in the US, and is involved in generating analyses and reporting. This is a great opportunity for a business analyst / data analyst / statistician with experience in consumer credit analysis. We offer a dynamic, collaborative team environment with a strong credit risk management culture, and exposure to new technology and data platforms.

This position is remote, where you have the option to work from home. On occasion we may request for you to commute to our nearest office for in person engagement activities such as team meetings, training and culture events. To ensure the safety of our colleagues and communities, we require employees who come together in-person to be fully vaccinated. We're proud to offer you choice and flexibility.

Key Responsibilities :

Credit Forecasting Analytics

Fraud Forecasting Analytics

Team Management

Required Skills / Knowledge :

Desired Skills / Knowledge :

Eligibility Criteria :

Bachelor's degree with quantitative underpinning (i.e., Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) and 5+ years of experience in Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience Or In lieu of a bachelor's degree we need 7+ years of experience in Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience.

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 :

Grade / Level : 11

Job Family Group : Credit

Job Family Group : Credit

Skills Required

Sas, Pyspark, Data Visualization, Advanced Excel, Tableau, Sql, Python