Associate Director, Credit Strategy OneMain Financial OneMain Financial 1,574 reviews

About Us
OneMain Financial is the country’s largest lending-exclusive financial company, proudly serving millions of customers with safe, affordable, and transparent installment loans. Our customers turn to us every day—online and at 1,500 branches in 44 states—to help them take control and improve their financial lives with solutions for debt consolidation, medical expenses, household bills, home improvements and auto purchases. Our talented and dedicated team members constantly look for responsible ways to serve our customers when, where and how they want. It’s all about doing the right thing—a mission that hasn’t changed for more than 100 years.

The Role

We are looking for an Associate Director, Credit Strategy for our Credit Analytics team in Wilmington, DE. This is an exciting opportunity to learn and drive significant business results by 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.

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.

Key Responsibilities

  • 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


  • 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


Because we want our team members to bring us their very best every day, we believe they deserve the right opportunities and benefits. That’s why we packed our comprehensive benefits package for full- and some part-timers with:

  • Health and wellbeing options for team members and their dependents
  • Up to 4% matching 401(k)
  • Tuition reimbursement
  • Continuing education
  • Bonus eligibility
  • Paid time off
  • Paid volunteer time


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