VP – Consumer Bank – FP&A & Treasury

Role Summary/Purpose:

This role is responsible for supporting the Treasury facing FP&A and analytics for Consumer Bank, serving as a primary finance partner on funding and pricing. The VP, Treasury Deposits FP&A Leader drives balance and interest expense forecasting, pacing and planning deliverables, and executive/committee support (including ALCO and deposit pricing governance) to enable disciplined, cost-effective funding execution. The role owns key deposit performance reporting and dashboarding, competitive rate and deposit beta analytics, and cost-of-funds/FTP insights to inform pricing and portfolio actions. In addition, this position supports enterprise risk and resiliency requirements by developing and documenting deposit assumptions for internal liquidity stress testing, capital stress testing (e.g., CCAR), and Recovery & Resolution Planning, while ensuring strong controls, audit readiness, and data governance across deposit analytics and reporting.

Essential Responsibilities:

- Own Retail Deposits FP&A for Treasury across short- and long-range planning, monthly/quarterly forecasting, intra-quarter pacing, and executive/committee deliverables (e.g., ALCO).
- Lead deposit balance, rate, and interest expense forecasting including driver-based methodologies, assumptions governance, variance explanations, and senior-management-ready narrative.
- Coordinate deposit pricing governance routines (e.g., Retail Deposits Pricing Committee/Sub-Committee), preparing materials on competitive rates, betas, elasticity, and cost-of-funds to support pricing decisions.
- Partner with Deposits Analytics and cross-functional Treasury teams to align methodologies, prioritize work, and ensure consistent interpretation of performance and forecasts.
- Support capital stress testing (e.g., CCAR) through deposit-related projections and assumptions, including runoff frameworks, interest expense impacts, and supporting documentation and controls.
- Support Recovery & Resolution Planning (RRP) by providing deposit mapping, balance and runoff analytics, and evidence packages required for resolution planning submissions and governance.
- Lead portfolio segmentation and product analytics to inform strategy, improve customer retention/stickiness, and identify opportunities to optimize funding mix and reduce funding cost.
- Develop and institutionalize dashboards and performance reporting that diagnose portfolio performance and isolate drivers (marketing, pricing, product features, relationship levers), enabling self-service insights for stakeholders.
- Own key liquidity risk assumptions for deposits including internal liquidity stress testing inputs, scenario design support, runoff/maturity behavior, and documentation for governance and 2LOD review.
- Lead Treasury allocation and valuation analytics including FTP allocation calculations, decay rate analytics, and cost-of-funds attribution (benchmark vs. spread) to support profitability and pricing decisions.
- Perform other duties and/or special projects as assigned

Qualifications/ Requirements:

- Bachelor’s degree and minimum 7 years of experience in finance, accounting and/or corporate treasury or banking environment or in lieu of degree, 12 years equivalent experience.
- Minimum 7 years of Financial modeling skills
- Ability and flexibility to travel for business as required

Desired Characteristics:

- Bachelor's Degree in Finance or Accounting
- Financial services industry experience
- Experience at a direct-to-consumer digital bank or a digital banking division of a large bank, where deposit pricing is central to the competitive model.
- 3-5 years of experience with deposit products and/or finance, product management or marketing analytics
- Experience in retail deposits, regulatory, risk or statistical reporting roles
- Demonstrated oral and written communication skills and ability to work cross functionally
- Demonstrated ability to manage multiple priorities
- Ability to analyze complex issues, develop appropriate action plans and delivers the results timely
- Ability to clearly explain and summarize technical and analytical information (verbally, written & in presentation form)
- Experience influencing and directing people outside of their reporting structure

Grade/Level: 12

The salary range for this position is 110,000.00 - 185,000.00 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.

Our Way of Working :

We’re proud to offer you 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. You will be required to commute to your nearest Hub (either virtual or physical) for in-person engagement activities such as regular business or team meetings, training and culture events.

*Field Sales and some Commercial team roles may have varied location requirements based upon partner obligations or preferences.

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 an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow.

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. We’re proud to have an award-winning culture for all.

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:
Finance