Job Description:

Role Summary/Purpose:

Synchrony's Credit group is seeking a 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/macro/power query/pivots, and 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. The objective is to support the US credit forecasting and reserves sub-functions in execution of their periodical processes by generating analytical insights, and impactful reporting. As the India team lead, supporting the US Forecasting leaders, the role is expected to be an active participant in ongoing projects, leading a direct team analysts. There is a significant amount of collaboration with the US leadership in executing critical credit estimation initiatives, and active communication with senior audiences.

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.

Essential Responsibilities:

Credit Forecasting Analytics

• Develop short term loss forecasting across loss types for Synchrony’s portfolio of loans across multiple retailer segments and products
• Develop detailed delinquency and loss reporting for multiple segments across all loss types (contractual aged, bankruptcy, deceased, debt cancelation etc.)
• Assist in producing credit inputs to complex modeling processes
• Collaborate with Collections and Portfolio teams to incorporate performance dynamics, as well as other business changes within the overall forecast
• Assist the Loss forecast process owner, with tasks related to process governance
• Visualize insights, performance, and trends in inputs/outputs for effective communication and decisioning

Fraud Forecasting Analytics

• Develop long term fraud loss forecasting across types for Synchrony’s portfolio of loans across multiple retailer segments and products
• Utilize long term forecasting model outputs, along with performance dynamics and fraud mitigation strategies

Team Management

• Managed a direct team, with a focus on prioritizing deliverables / timelines, upskilling talent to latest techniques and technologies
• Collaborate with US teams – Credit Forecasting, Reserves, and Fraud Forecasting
• Perform special projects as assigned

Qualifications/Requirements:

• 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.
• 3+ years of experience in performing performance analysis on large and diverse consumer credit portfolios, including experience with data visualization tools to create and communicate intuitive visualizations and presentations of in-depth analysis to audiences of varying subject-matter knowledge, experience, and seniority
• Proven hands-on experience utilizing SAS or SQL.
• Advanced EXCEL skills with demonstrable familiarity with data processing/report building/analysis techniques
• Strong PowerPoint skills, including ability to create understandable presentations that incorporate graphs or other visual aides to portray complex subjects
• Shift Timings: 2 PM IST to 11 PM IST
• For Internal Candidates: Understand the criteria or mandatory skills required for the role, before applying.
• Inform your manager or HRM before applying for any role on Workday.
• Ensure that your Professional Profile is updated (fields such as Education, Prior experience, other skills) and it is mandatory to upload your updated resume (Word or PDF format)
• Must not be any corrective action plan (First Formal/Final Formal, PIP)
• Employees who have completed 18 months in the organization and 12 months in current role and level are only eligible.
• Level 9 and above employees can apply

Desired Characteristics:

• Good to have experience with open-source tools such as Python, PySpark, R to extract, process and analyze data·
• Good overall understanding of consumer credit lending that stretches across revenue and loss line items, with a focus on revolving products (Credit Cards preferred)
• Excellent time management with ability to manage multiple competing initiatives and deliver results within deadlines with accuracy and attention to detail
• Experience with processes that have significant financial impacts and stretch across multiple teams or functions
• Strong written and verbal communication skills, to independently present explanations of complex subjects
• Managing a team of business analysts / data practitioners
• Positive mindset under tight timelines / critical deliverables

Grade/Level: 11

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