Overview :

- Location: Hyderabad, India; Delhi, India; Bengaluru, India; Mumbai, India; Kolkata, India
- Salary: N/A

About Us : Synchrony is more than a financial services company, we’re a team of passionate innovators committed to delivering best-in-class solutions that support millions of customers across the U.S. With a bold focus on technology, data, and digital innovation, we create meaningful experiences that simplify lives and enable financial wellness.

When you join Synchrony, you become part of an inclusive culture where your voice matters, your growth is championed, and your work drives impactful results.

- Job ID
- 2602285
- Category
- Credit & Risk
- Date posted
- 08/13/2026

Role Title :AVP, Credit Model Development (L11) Company Overview : 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 behaviors. 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 ACQ Credit Models team,



you would be managing the Acquisition Credit 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 :

- Validation and monitoring of internal and external credit models by computing standard metrics.
- 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.
- Independently manage end-to-end annual model review and periodic revalidation activities for credit risk models; support Model Risk Management team in completing other model governance activities, including pre-implementation validation and issue remediation/closure.
- Develop credit risk models under the guidance of the US model development team, performing work across the full development lifecycle (data preparation, exploratory analysis, feature engineering, model builds, performance evaluation, and documentation).
- Work with Credit & Fraud strategy teams to understand the model usage in strategies,



explain the changes in model performance and suggest any changes that might be required in strategies.
- Lead automation projects like automation of reports, datapull using tools like SAS, Python, Pyspark, Tableau etc.
- Work independently with stakeholders on multiple projects and perform other duties and/or special projects as assigned.
- Provide analytic support on key business initiatives and develop a robust working knowledge of the data warehouse and applicable analytic data systems.
- Mentoring and leading the junior members in the team for day-to-day activities

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 SAS/ SQL, Python/Pyspark and reporting tools like Tableau
- Knowledge of Statistical and other Machine Learning techniques like logistic Regression, Random Forest, XGBoost etc
- Ability to decipher complex data and effectively present and communicate in a clear and concise manner.
- Strong written/oral communication skills, ability to manage multiple projects simultaneously and deliver results within deadlines with a focus on accuracy and attention to detail.

Desired Skills/Knowledge :

- Working knowledge of credit bureau data e.g., FICO, Transunion, Equifax
- Excellent time management with ability to manage multiple competing initiatives and deliver results within deadlines.
- Familiarity with US Model Governance trends/developments acr

📌 Avp, Credit Model Development (Hyderabad)
🏢 Synchrony
📍 Hyderabad