Job Description:

Role Summary/Purpose:

This role is responsible for developing and managing best-in-class analytic solutions or algorithms for Payment solutions Portfolio to detect high risk merchants and provide recommendations to the business to mitigate credit and fraud risks. This role requires a person to proactively identify the opportunities to enhance analytical capabilities around pre-funding risk, early warning merchant profitability etc.. Successful candidate will have an opportunity to work with cross-functional teams and leverage state of the art tools (viz., SAS, SQL, Tableau and open for any innovative tools).

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:

• Expand and automate merchant risk mitigating analytical processes that protect SYF from financial losses. Opportunities to enhance our analytics around pre-funding risk, early warning merchant profitability (i.e. shift to second look position) and merchants that drive high levels of customer confusion which lead to increased fraud claims and costs.

• Enhance merchant risk strategy in Access One - the merchant fraud/merchant monitoring tool used today. Proactively support new queue development and monitoring.

• Develop and support merchant risk monitoring wing to wing for installment products outside of traditional merchant risk monitoring tools.

• Innovation type analytics to determine if new tools and data types should be added to merchant underwriting and merchant monitoring strategies that mitigates both credit and fraud risks (i.e. currently investigating how dark web intel, public chat forums and the BBB can help mitigate risks).

• Monthly merchant dashboard and merchant dispute workups for senior leaders and client risk teams.

• Adhoc analytical projects to support Payment solutions Credit initiatives.

• Work on multiple projects simultaneously and managing projects independently.

• Communicate portfolio trends, insights and findings to Business partners and senior leadership.

• Perform other duties and/or special projects as assigned.

Qualifications/Requirements:

• Degree in following Majors - Mathematics/Statistics, Operations Research, Economics, Computer Science/Engineering or other quantitative majors

• Minimum 5+ years' Consumer Credit experience in Analytics

• Proficient in SAS and SQL or other statistical analysis programming languages.

• Strong knowledge of SYF's databases.

• Organization skills to keep track/manage merchant level termination decisions.

• Strong Team Player in cross-functional environment and excellent problem-solving skills.

• Strong written/oral communication skills.

• For Internal Applicants : 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 8+ employees can apply

Desired Characteristics:

• Knowledge of Salesforce.

Grade/Level: 09

The salary range for this position is 60,000.00 - 112,000.00 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+ (https://www.synchronycareers.com/our-culture/#diversity) , 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