Associate Director, Credit Policy

5 months ago

Wilmington, United States OneMain Financial Full time
Associate Director, Credit Policy & Analytics

We are looking for an Associate Director, Credit Policy for our Credit Pricing & Analytics team in Wilmington, DE. This is an exciting opportunity to learn and drive significant business results through optimizing our credit risk underwriting and pricing strategies. These strategies include, but not limited to, approval/decline, loan amount assignment, term, pricing, and risk appetite framework optimization to drive healthy revenue growth, loss mitigation, and streamlining of processes in support of better profitability and healthy lending portfolio.

We are looking for new team members who are excited about creating, designing and implementing new and better solutions to our business challenges with limited supervision. This role will have chance to pull the data, conduct deep analysis and investigation, apply critical thinking skills, draw insights from their work and leverage general business acumen to understand the customer behavior and develop profitable business strategies in a timely and accurate manner. The successful candidate will be able to summarizes their work and communicates effectively to management.

Working with various partners, the role will also have responsibilities of reporting, strategy implementation, strategy validation and ad-hoc analyses including customer segmentation, competitive analysis, sensitivity analysis and modeling, and performance read.

A successful candidate will expand their competencies and grow their business and industry acumen, as well as demonstrate the ability to work on complex processes or projects across the end-to-end project cycle. They will gain knowledge to suggest new answers to old questions, develop insights and push the traditional boundaries of the lending industry.

In the Role
  • Take lead to design, recommend, document and execute consumer credit underwriting and pricing strategies via extracting and analyzing requisite historical customer performance data from multiple disparate systems
  • Utilize data query tools (i.e., R, SAS, SQL, MATLAB, Python) and decision tree analytical software to develop, test and execute analyses and reporting
  • Leverage traditional regression model and machine learning algorithm to understand the key drivers and estimate customer behaviors by different strategy treatment
  • Drive profitable business growth via developing strategy optimization framework with a full credit-cycle view
  • Independently complete analyses, draw conclusions, present results to all levels of leaders and influence business/strategy decision
  • May effectively prioritize competing initiatives across direct reports; translate strategic priorities into individual/team initiatives and manage expectations
  • Identify performance opportunities in team members and take the appropriate steps to improve the capabilities of the team


Requirements
  • Bachelor's degree (Graduate degree is a plus) in a quantitative discipline such as Engineering, Statistics, Economics, Business Management or Computer Science.
  • 6+ years of pricing, risk underwriting or risk portfolio management experience within a personal loan or cards portfolio
  • 2+ years of people management/leadership experience
  • Innovative and capable of developing a highly analytical approach to solving problems
  • Advanced analytical skills using SAS, SQL, R or Python
  • Hands on experience with decision tree analyses and segmentation tools like CART, knowledge seeker, etc.
  • Experience building advanced models using statistical analysis tools or machine learning
  • Experience partnering horizontally and influencing other organizations such as technology, marketing, and operations


Location: Wilmington, DE | Hybrid

Who we Are

OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.

Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain.

Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That's why we've packed our comprehensive benefits package for full- and some part-timers with:
  • Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
  • Up to 4% matching 401(k)
  • Employee Stock Purchase Plan (10% share discount)
  • Tuition reimbursement
  • Paid time off (15 days' vacation per year, plus 2 personal days, prorated based on start date)
  • Paid sick leave as determined by state or local ordinance, prorated based on start date
  • Paid holidays (7 days per year, based on start date)
  • Paid volunteer time (3 days per year, prorated based on start date)

  • Associate Director, Credit Policy

    2 weeks ago

    Wilmington, United States OneMain Financial Full time

    Associate Director, Credit Policy & AnalyticsWe are looking for an Associate Director, Credit Policy for our Credit Pricing & Analytics team in Wilmington, DE. This is an exciting opportunity to learn and drive significant business results through optimizing our credit risk underwriting and pricing strategies. These strategies include, but not limited to,...

  • Associate Director, Credit Policy

    2 months ago

    WILMINGTON, United States OneMain Financial Full time

    Associate Director, Credit Policy & AnalyticsWe are looking for an Associate Director, Credit Policy for our Credit Pricing & Analytics team in Wilmington, DE. This is an exciting opportunity to learn and drive significant business results through optimizing our credit risk underwriting and pricing strategies. These strategies include, but not limited to,...

  • Credit Policy Director

    3 weeks ago

    Wilmington, Delaware, United States OneMain Financial Full time

    We are seeking a highly skilled Credit Policy Director to join our team in Wilmington, DE.This role will lead the design, implementation, and execution of consumer credit underwriting and pricing strategies through data analysis and extraction from multiple disparate systems. The ideal candidate will have expertise in statistical analysis tools and machine...

  • Director, Senior Leader

    1 week ago

    Wilmington, United States Citigroup Inc Full time

    The Senior Leader - Consumer Credit Risk & Testing Strategy manages multiple teams through other managers. The Senior Leader – Consumer Credit Risk & Testing Strategy is responsible for defining and executing a comprehensive testing and validation framework that supports the strategic integration of credit risk models, business rules, and decisioning...

  • Commercial Credit Analyst

    21 hours ago

    Wilmington, United States WSFS Bank Full time

    Job Description At WSFS Bank, we empower our Associates to grow their careers, guide our customers to secure their financial futures, and actively support our Communities so they can fully thrive. Careers with WSFS Bank offer an inclusive and supportive culture, competitive salaries, advancement opportunities, and more. We are the region's locally...

  • Residential Real Estate Risk Analyst

    6 days ago

    Wilmington, Delaware, United States Citigroup Inc Full time

    About the RoleThis is an exciting opportunity for a seasoned Residential Real Estate Risk Analyst to join our team at Citigroup Inc. In this role, you will work closely with independent risk management and policy teams to develop and implement loss-mitigation strategies. The ideal candidate will have a proven track record in credit loss performance trends...

  • Director of Credit Portfolio Analytics

    7 days ago

    Wilmington, Delaware, United States Citigroup Full time

    About the RoleThis Senior Loss Forecasting Specialist position requires a deep understanding of credit risk management principles and advanced analytical skills. The ideal candidate will possess a Bachelor's degree in Mathematics, Engineering, Statistics, Economics, or a related quantitative discipline, accompanied by 6+ years of experience in credit card...

  • VP / Managing Director – Credit & Pricing Technology

    6 days ago

    Wilmington, United States OneMain Financial Full time

    OneMain Financial (OMF) is seeking a Vice President, Managing Director of Credit & Pricing Technology.  As OneMain expands its market verticals, a multi-product strategy is evolving to penetrate markets through compelling customer engagement.  Correspondingly, teams deliver products across a variety of platforms and technologies.  Our products and...

  • CWM - Marcus by Goldman Sachs - Cards Credit - Associate - Wilmington, DE

    1 week ago

    Wilmington, United States Goldman Sachs Full time

    MORE ABOUT THIS JOB: Consumer and Wealth Management (CWM) Across Consumer and Wealth Management (CWM), Goldman Sachs helps empower clients and customers around the world reach their financial goals. Our advisor-led wealth management businesses provide financial planning, investment management, banking and comprehensive advice to a wide range of clients,...

  • Commercial Credit Senior Portfolio Manager I, CRE

    1 week ago

    Wilmington, United States M&T Bank Full time

    OVERVIEW Monitor and assess the credit risks of larger, more complex commercial loan portfolios and higher dollar loans through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. RESPONSBILITIES Manage the ongoing credit risk of existing loan portfolios through...

  • Commercial Credit Analyst

    4 weeks ago

    Wilmington, United States WSFS Bank Full time

    Job Description At WSFS Bank, we empower our Associates to grow their careers, guide our customers to secure their financial futures, and actively support our Communities so they can fully thrive. Careers with WSFS Bank offer an inclusive and supportive culture, competitive salaries, advancement opportunities, and more. We are the region's locally...

  • Senior Credit Portfolio Manager

    3 weeks ago

    Wilmington, Delaware, United States Citigroup Full time

    The Senior Credit Portfolio Manager is a key leadership position at Citigroup responsible for managing the credit portfolio globally. With over 10 years of experience in credit risk management, this individual will lead activities including credit review, approvals and monitoring to identify potential risks.Key Responsibilities:Lead business projects related...

  • Credit Review Lead

    3 weeks ago

    Wilmington, Delaware, United States Citigroup Full time

    About the RoleThe Credit Review Lead - Americas is responsible for overseeing credit review processes and ensuring compliance with regulatory requirements. This role requires strong analytical and communication skills to effectively collaborate with stakeholders.ResponsibilitiesDevelop and implement credit review policies and proceduresCollaborate with Risk...

  • Consumer Credit Assurance Manager

    3 days ago

    Wilmington, Delaware, United States Capital One Full time

    Key Responsibilities:The Senior Consumer Credit Review Manager will be responsible for executing an independent, risk-based review of assigned platforms within Capital One's Consumer credit portfolio. This includes assessment of credit risk, lending practices, effectiveness of policy implementation, and risk rating accuracy.Key deliverables...

  • Nursing Associate Director CICU

    3 weeks ago

    Wilmington, Delaware, United States Nemours Foundation Full time

    Nemours Foundation Job DescriptionJob Title: Nursing Associate Director CICULocation: Various locations within the Nemours FoundationEstimated Salary: $90,000 - $115,000 per yearThe Nemours Foundation is seeking an experienced Nursing Associate Director to join our team. The ideal candidate will have 3-5 years of experience in pediatric intensive care...

  • Associate Director of Admissions

    7 days ago

    Wilmington, United States University of North Carolina Full time

    Posting Information Posting Information Department Kenan-Flagler Bus Sch-330100 Career Area Student Services Posting Open Date 01/10/2025 Application Deadline 01/23/2025 Open Until Filled No Position Type Permanent Staff (EHRA NF) Working Title Associate Director of Admissions & Student Recruitment Appointment Type EHRA Non-Faculty Position Number 01000629...

  • Part-Time Banking Service Associate

    3 weeks ago

    Wilmington, Delaware, United States DEXSTA FEDERAL CREDIT UNION Full time

    DEXSTA Federal Credit Union is a not-for-profit financial institution dedicated to serving its members.We are seeking an experienced Part-Time Banking Service Associate to join our team. This role will be based at one of our branches and will involve providing excellent customer service to our members, handling cash transactions, and answering questions in a...

  • Credit Portfolio Manager I

    1 week ago

    Wilmington, United States TD Bank Full time

    Work Location: King of Prussia, Pennsylvania, United States of America Hours: 40 Pay Details: $86,840 - $139,360 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices...

  • Manager, Credit Pricing Analytics

    6 days ago

    Wilmington, United States OneMain Financial Full time

    Job DescriptionManager, Credit Pricing AnalyticsLocation: Wilmington, DE (Hybrid)We are currently seeking a Manager, Credit Pricing Analytics to lead the delivery of great products to our customers. This role will have the exciting opportunity to drive significant business results by leading a team and contributing to the innovation, creation, and launch of...

  • Manager, Credit Pricing Analytics

    1 month ago

    Wilmington, United States OneMain Financial Full time

    Job DescriptionManager, Credit Pricing AnalyticsLocation: Wilmington, DE (Hybrid)We are currently seeking a Manager, Credit Pricing Analytics to lead the delivery of great products to our customers. This role will have the exciting opportunity to drive significant business results by leading a team and contributing to the innovation, creation, and launch of...