Job Description

Job Description: **Role Summary/Purpose:** We are looking for an AVP, Credit Model Development candidate who is curious and passionate about developing innovative solutions and has experience in big data environments, computer programming, Hadoop, Spark, Python, etc. The successful candidate will have excellent communication & project management skills, strong model development experience and good understanding of model risk. Our Way of Working We're proud to offer you choice and 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 to our nearest office for in person engagement activities such as business or team meetings, training and culture events. **Essential Responsibilities:** + Build and enhance credit risk and fraud risk models. + Drive development of in-house credit and transaction fraud models, particularly developing scorecard models + Utilize internal and external data sources and work on big data environment + Work on data collection, data cleansing, methodology evaluation, model assessment, model refreshment, implementation testing and documentation. + Maintain comprehensive model documentation + Support implementation team(s) on model testing process including implementation specifications development, model testing development and execution to ensure model is appropriately implemented and produces output as designed + Support the Model Owner throughout model lifecycle from model initiation to model retirement, including enhancements / recalibrations + Present complex items to varied audiences (co-developers, data warehouse / IT managers, as well as executive leadership) + Maintain the existing credit risk and fraud risk models by improving the documentation, tracking model changes, remediating model risk findings, identifying any gaps in the model, root cause analysis etc. + Support model validation efforts as well as respond to regulatory or audit request + Take models through fair lending and Legal approval process and provide insights on model use, model explainability, adverse actions etc. + Assist in managing model monitoring process, analyzing the root cause of any material shift, optimizing performance metrics and model recalibrations. + Provide analytical insight on model usage to strategy teams. + Provide training to other junior team members on technical / modeling methods as needed + Support model governance for vendor models as needed + Perform ad-hoc analyses as required **Qualifications/Requirements:** + Bachelor's degree in Mathematics/Statistics/Economics/Financial Engineering or other quantitative field with 3+ years of experience in Credit Risk / Financial Industry, or in lieu of a degree, 5+ years of experience in Credit and fraud Risk / Financial industry + 3+ years of hands-on modeling experience with Credit/Fraud machine learning models + 3+ years working with large data sets + Hands on programming skills (SAS/SQL/R/Python etc.) **Desired Characteristics:** + Ability to multitask in a face paced environment while influencing and making judgment calls. + Master's degree preferred in computer science, mathematics/statistics, economics, finance, engineering, or other quantitative fields. + Excellent understanding of machine learning modeling methodologies such as gradient boosting, neural network, random forest and other innovate techniques. + Excellent written and verbal communication skills + Good understanding of model risk management, credit risk and fraud strategy controls + Technical proficiency with Python, R, Hadoop, SAS, SQL, etc. + Quick learner, detail oriented, strong analytical and problem-solving skills. **Grade/Level: 11** The salary range for this position is **115,000.00 - 200,000.00** 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:** + 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. is required. 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 a diverse, inclusive culture where your skills, experience, and voice are not only heard-but valued. We celebrate the differences in all of us and believe that our individual, unique perspectives is what makes Synchrony truly a great place to work. Together, we're building a future where we can all belong, connect and turn ideals into action. Through the power of our 8 Diversity Networks+ ( , with more than 60% of our workforce engaged, you'll find community to connect with an opportunity to go beyond your passions. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. **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. + If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am - 5pm Monday to Friday, Central Standard Time **Job Family Group:** Credit

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Work experience placement, Work from home, Work visa, Shift work, Monday to Friday,

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