VP, Portfolio Credit Manager, Mattress Firm

Portfolio Credit Manager

As the Portfolio Credit Manager for the Mattress Firm portfolio, a strategic segment within the Home Network generating over $1.3 billion in annual credit sales, 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 programs to optimize portfolio performance. This role serves as the primary credit liaison to the client and internal teams, requiring strong cross-functional collaboration and leadership in delivering business and functional initiatives.

Essential Responsibilities :

• Own the partnership with the client to minimize risk exposure for both Synchrony and the retailer, 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 :

Grade / Level : 12

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. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle.

Eligibility Requirements :

We will not sponsor individuals for employment visas, now or in the future, for this job opening.

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.

Our Commitment :

When you join us, you'll be part of an inclusive culture where your individual skills, experience, and voice are not only heard - but valued. Together, we're building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow.

Reasonable Accommodation Notice :

Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. If you require a reasonable accommodation to apply for a job or to perform your job, please call our Career Support Line at 1-866-301-5627. Representatives are available from 8am - 5pm Monday to Friday, Central Standard Time.