Credit & Risk

Risk and Credit are separate functions at Synchrony Financial, but they interact daily and work closely together to form a secure foundation for our business.

Our Credit team is the gatekeeper to Synchrony Financial, foundational to our business and key to our entire industry. We perform the mission critical work of deciding who is accepted for loans, how much credit we should extend to them and for how long. We also support prudent growth and business development efforts as well as maintaining relationships with Credit Bureaus and scoring vendors.

Our challenge is complex: every business and consumer is different, and the marketplace and economic environment are constantly shifting. Yet if we don’t get credit right, nothing else matters. This is the team that ensures we do.

Risk Management is responsible for all consumer and commercial risk at Synchrony Financial. Our goal is to ensure that all relevant risks to the business are identified, measured, monitored and controlled. It’s vital work that’s core to everything we do—we’re responsible for protecting the company by striking a sustainable balance between risk and growth.

We have a robust Risk Management team, including the following functions:

Corporate Risk

Risk Portfolio Management

Credit Risk

Risk Operations and Regulation Compliance

Analytics

Enterprise Risk

Merchant and Client Risk

How we fulfill ambitions

When you join our Credit and Risk teams, you’ll gain insight into how our business operates. You’ll learn what it means to take on credit, including the risks and benefits. Using big data analytics, you’ll develop and implement strategies that drive business decisions.

Synchrony Financial is a collaborative environment where you’ll have access to information, leadership training, senior leadership and, of course, the resources you need to achieve your unique ambitions.

We have a dedicated training and development team to ensure that our Credit and Risk professionals are up-to-date on the latest industry trends. Synchrony Financial has implemented the Three Lines of Defense process across the enterprise, so you’ll be part of a progressive, forward-thinking banking organization. We’re also implementing new technology like our state-of-the-industry risk-tracking system. If you’re looking to grow your career in Risk, we’re working on the leading edge.

Who we hire

The Credit and Risk teams include a diversity of perspectives and backgrounds, but we do have a collection of core traits that sets us apart.

We look for:

Highly analytical thinkers

Good communicators with the ability to influence others

Leadership skills

Good collaborators who thrive in a team environment

A passion for challenging work

Lifelong learners who are hungry for more training and learning opportunities

Willingness to question the status quo

A background in banking or financial services

Employee Stories

We specialize in fulfillment.

A corner office. Her daughter’s graduation. Sunset on the Riviera.
Every employee is unique. Every ambition is special.
And every reason for joining our team is individual.

I'm working forward to…

"Saving lives."

Read Erica's full story

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