AVP, Credit Model Development (L11)

Role Title: AVP , Credit Model Development (L11) Company Overview: Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nations most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is proud to be named as #3 as a Great Place to Work in India and is honored to be ranked the #1 Best Company to Work For in the U.S. by Fortune magazine and Great Place to Work. For more information, visit www.synchrony.com. Organizational Overview: Credit Team decisions credit actions across the lifecycle of a customer from acquisition to account management to collections and recover we work towards managing credit and fraud losses and elevating customer experience through powerful and proprietary insights on customer risk and credit behaviours. The actionable insights are driven by access to numerous alternative data sources, new age technologies, focused strategies, emerging algorithms, and predictive precision. Spread across 10 pillars the credit team in India caters to the entire gamut of decision sciences, from data management to model development to strategy design, and bringing it all to life through technology, and managing within the guardrails of our regulatory requirements. As part of the team, you will have access to some unique product propositions, functional and leadership training, interaction with executive leadership team and a myriad of diverse perspectives. Role Summary/Purpose: As a member of Credit Models team, you would be managing the models through their lifecycle, i.e. from initiation to retirement. You will be exposed to activities ranging from (but not limiting to) model development, evaluation, validation, monitoring, implementation testing and documentation. You will have an opportunity to learn industry best practices in credit models development and will also be working on experimental models using machine learning techniques. You will also own the models and be a SPOC for all assessment by Risk Management team. Key Responsibilities: Develop acquisition & account management Credit and Fraud model development using Statistical and other Machine Learning techniques like XGBoost, Random Forest, Light GBM etc.Lead the Model Monitoring efforts, work closely with Model Owners, Model Users and Report execution teams to track and understand model performance, deep dives to find root causes for performance deteriorations, and device action plans for the same. Work on Model Documentation and support Model Risk Management team in completing their responsibilities including but not limited to Model validation reviews, Annual Reviews, periodical assessment.Work with Credit & Fraud strategy teams to understand the model usage in strategies, and explain the changes in model performance and suggest any changes that might be required in strategies.Work independently with stakeholders on multiple projects and perform other duties and/or special projects as assigned.Collaborate with cross functional teams, across the globe Model Development, Model Risk Management, Data Infrastructure, as well as Business Provide analytic support on key business initiatives and develop a strong working knowledge of the data warehouse and applicable analytic data systems.Operate as a doer-leader, manage a team, with a focus on prioritizing deliverables / timelines, upskilling talent to latest techniques and technologies, as well as providing cross functional experiences Required Skills/Knowledge: Bachelor's degree with quantitative underpinning (i.e., Risk, Economics, Finance, Mathematics, Statistics, Engineering) with minimum 5+years' experience in an analytical/quantitative role related to consumer lending or in lieu of a degree 7 + years' of relevant experience in an analytical/quantitative role related to consumer lending.Experience in Python, Pyspark , SAS/SQL and reporting tools like TableauExperience using AWS across the ML lifecycle, including data processing, feature engineering, model development, training, and deployment supportExperience in credit risk and fraud model development end-to-end in areas such as application scorecards, transaction fraud detection models Role Title: AVP , Credit Model Development (L11) Company Overview: Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their