Representative, Collections (L04)

Job Description: Role Title: Representative, Collections (L04)

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 nation’s 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: Collections Operations teams handles delinquent accounts of Synchrony customers through both Inbound & Outbound calls & is divided into Subgroups of Skip, eChat & 360. The 360 & Skip groups service delinquent accounts via calls & the echat group services only Inbound chats of delinquent accounts. As a Collections 360 representative you will be responsible is to assist Synchrony Bank customers via the calls (Inbound & Outbound) and negotiate payment arrangements to Collect on past due accounts.

Role Summary/Purpose: A Pre‑Charge Off Collector manages outbound and inbound calls to engage customers with delinquent accounts, understand the reason for non‑payment, and negotiate appropriate repayment solutions. The role focuses on resolving past‑due balances before charge‑off by setting up payment arrangements, documenting interactions accurately, and following all regulatory, compliance, and customer experience guidelines.