VP, Portfolio Credit - TJX

Confidential Company  •  Marlborough, MA

8 - 10 years experience  •  Financial Services

Salary depends on experience
Posted on 02/21/18
Confidential Company
Marlborough, MA
8 - 10 years experience
Financial Services
Salary depends on experience
Posted on 02/21/18

Role Summary/Purpose:

In this role, you will lead overall Credit Management efforts for the TJX portfolio in Synchrony Financial. This includes credit and operational risk evaluation, delinquency/loss mitigation, enforcement of Risk policies and portfolio monitoring. This role acts as the key Risk interface for the retailer and will work directly with the client and client team leadership.

Essential Responsibilities:

  • Work closely with retail clients to minimize both Synchrony Financial¡¦s and the retailers¡¦ risk, while continuing to grow the portfolio
  • Work effectively cross-functionally to drive smart growth and client satisfaction delivering safety and soundness in the portfolio
  • Prepare and present client facing and leadership team presentations to facilitate informed decisions
  • Be a leader in driving enhanced strategies, using champion/challenger leanings to manage credit and fraud risk
  • Provide analytics and input for deal and promotional pricing activities
  • Coordinate multisite/country resources to ensure delivery and accuracy of monthly MIS and reporting needs to meet internal and external requirements
  • Coordinate planning cycle with client teams to ensure consistency in business plans
  • Responsible for providing clear guidance to the organization on risk appetite and prudent growth
  • Maintain effective and credible challenge of critical decisions and business processes
  • Insure portfolio deal structure and contract(s) are consistent with risk appetite

Qualifications/Requirements:

  • Bachelor’s Degree and 7+ years in consumer risk management role, or in lieu of a bachelor’s degree, 11+ years in consumer risk management
  • 2+ years leadership experience in enterprise portfolio management oversight with strong emphasis on risk strategy, credit policy and internal/external communications

Desired Characteristics:

  • Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area
  • Familiarity with consumer and commercial lending products and practices
  • Experience operating at a strategic level as part of a senior leadership team
  • Master¡¦s Degree or MBA with advanced analytic focus, or equivalent
  • Experience with SAS or SQL or technical proficiency
  • Strong communication and presentation skills
  • Experience creating and leading organizational change

Job ID: 1800000193

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