OneMain Financial
Associate Director, Credit Policy & Analytics
OneMain Financial, Wilmington, Delaware, United States, 19805
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, 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.
Interested in learning more about this job Scroll down and find out what skills, experience and educational qualifications are needed.
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 RoleTake 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 teamRequirementsBachelor’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 operationsLocation:
Wilmington, DE | HybridWho we AreOneMain 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 insurancesUp to 4% matching 401(k)Employee Stock Purchase Plan (10% share discount)Tuition reimbursementPaid 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 datePaid holidays (7 days per year, based on start date)Paid volunteer time (3 days per year, prorated based on start date)
Interested in learning more about this job Scroll down and find out what skills, experience and educational qualifications are needed.
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 RoleTake 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 teamRequirementsBachelor’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 operationsLocation:
Wilmington, DE | HybridWho we AreOneMain 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 insurancesUp to 4% matching 401(k)Employee Stock Purchase Plan (10% share discount)Tuition reimbursementPaid 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 datePaid holidays (7 days per year, based on start date)Paid volunteer time (3 days per year, prorated based on start date)