Senior Credit Risk Analyst

4 days ago


Charlotte, North Carolina, United States OneMain Financial Full time

About OneMain Financial

We are a leading lending-exclusive financial company with a rich history of helping individuals and families achieve their financial goals. Our commitment to lending excellence has earned us a reputation as a trusted partner in the financial industry.

The Role

We are seeking a highly skilled Lead Strategy Analyst to join our Card Analytics team in Charlotte, NC. This is an exciting opportunity to drive significant business results through optimization of our credit risk underwriting, pricing strategies, and acquisition strategy.

The successful candidate will have the opportunity to pull data, conduct deep analysis and investigation, apply critical thinking skills, and draw insights from their work to develop profitable business strategies. They will also be responsible for reporting, strategy implementation, and ad-hoc analyses, including customer segmentation, competitive analysis, sensitivity analysis, and modeling.

Key Responsibilities

  • Design, recommend, document, and execute consumer credit underwriting and pricing strategies via extracting and analyzing historical customer performance data from multiple systems.
  • Utilize data query tools (R, SAS, SQL, MATLAB, Python) and decision tree analytical software to develop, test, and execute new strategies.
  • Develop and estimate customer behaviors by different strategy treatment using traditional regression models and machine learning algorithms.
  • Drive profitable business growth via developing strategy optimization frameworks with a full credit-cycle view.
  • Implement Quality Control processes to ensure data accuracy.
  • Continually enhance existing processes and reporting through automation, quality control, presentation, and insights.
  • Effectively summarize and present results and insights to management.

Qualifications

  • Bachelor's Degree in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science.
  • 3-5 years of experience in complex, data-driven problem solving.
  • Strong SQL, SAS, and Excel skills required; experience with multiple types of relational databases, BI tools/platforms, and/or additional programming languages is a plus.
  • Innovative and capable of developing a highly analytical approach to solving problems.
  • Lending or consumer finance industry experience preferred.

Benefits

We offer a comprehensive benefits package for full- and some part-timers, including health and wellbeing options, up to 4% matching 401(k), tuition reimbursement, continuing education, bonus eligibility, paid time off, and paid volunteer time.



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