The Job Network
Associate Director, Credit Policy & Analytics
The Job Network, Wilmington, Delaware, us, 19894
Associate Director, Credit Policy
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 are 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 a 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 a chance to pull data, conduct deep analysis and investigation, apply critical thinking skills, draw insights from their work, and leverage general business acumen to understand customer behavior and develop profitable business strategies in a timely and accurate manner. The successful candidate will be able to summarize their work and communicate 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 models and machine learning algorithms to understand the key drivers and estimate customer behaviors by different strategy treatments.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 decisions.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.RequirementsBachelor’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 | 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.BenefitsBecause team members at their best mean 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).PandoLogic. Keywords: Credit Risk Director, Location: Wilmington, DE – 19850
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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 are 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 a 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 a chance to pull data, conduct deep analysis and investigation, apply critical thinking skills, draw insights from their work, and leverage general business acumen to understand customer behavior and develop profitable business strategies in a timely and accurate manner. The successful candidate will be able to summarize their work and communicate 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 models and machine learning algorithms to understand the key drivers and estimate customer behaviors by different strategy treatments.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 decisions.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.RequirementsBachelor’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 | 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.BenefitsBecause team members at their best mean 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).PandoLogic. Keywords: Credit Risk Director, Location: Wilmington, DE – 19850
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