Senior Credit Policy Manager
1 day ago
We are seeking a highly skilled and experienced Associate Director, Credit Policy to join our Credit Pricing & Analytics team in Wilmington, DE. As a key member of our team, you will be responsible for designing, recommending, and executing consumer credit underwriting and pricing strategies. This is an exciting opportunity to drive significant business results through optimizing our credit risk underwriting and pricing strategies.
Key Responsibilities- Design and recommend consumer credit underwriting and pricing strategies
- Extract and analyze historical customer performance data from multiple disparate systems
- Develop, test, and execute analyses and reporting using data query tools and decision tree analytical software
- Estimate customer behaviors by different strategy treatment using traditional regression models and machine learning algorithms
- Develop strategy optimization framework with a full credit-cycle view
- Independently complete analyses, draw conclusions, and present results to all levels of leaders
- Prioritize competing initiatives and manage expectations
- Identify performance opportunities in team members and take appropriate steps to improve their capabilities
- Bachelor's degree 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
OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. 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.
Benefits- 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)
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