VP, Portfolio Credit Manager, Home Core Furniture and Electronics

VP, Portfolio Credit Manager, Home Core Furniture and Electronics

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Role Summary / Purpose

As the Portfolio Credit Manager for a large portion of the Home Core Furniture & Electronic portfolios within the Home & Auto business segment you will hold full ownership of credit management activities and drive P&L outcomes that support the segment'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

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 to our nearest office for in‑person engagement activities such as 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.
• Perform other duties and / or special projects as assigned.

Qualifications / Requirements

Salary Range

135,000.00 – 230,000.00 USD annual, eligible for an annual bonus based on individual and company performance. Salaries are adjusted according to market in CA, NY Metro and Seattle.

Eligibility Requirements

Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

Reasonable Accommodation Notice

Job Family Group : Credit

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