AD - Credit Analytics

Company: OneMain Financial
Location: Baltimore
Posted on: February 26, 2026

Job Description:

We are currently seeking an Associate Director, Credit Underwriting Analytics, to help lead our joint borrower installment loan business. In this critical role, the select individual will help grow the newly formed joint loan strategy team. This leader will be responsible for complex end-to-end strategy development focused on how we better serve customers through joint loan offers. The role will provide the opportunity to develop new ways we partner with key business partners to improve the lending process while growing the joint loan business. Working with various partners, this individual will deliver new policies to market, monitoring, and reporting on existing strategies, and partner with technology and marketing to create new functionalities and customer experiences. They will directly impact business processes, policy/product development, revenue growth, and risk management of OneMain’s largest business. 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 lifecycle. They will gain knowledge to suggest new answers to old questions and continue experimenting with new technology to find better ways to provide information delivery throughout the company. In this role: - Develop strong understanding of OMF customer, benefits of lending to two applicants compared to one, underwriting policies, and credit risk - Develop and execute on business requirements to implement credit/business strategies to improve our lending portfolio - Create end-to-end project plans, including design, execution, and testing to ensure projects function as intended with intended business outcomes - Utilize data query tools (i.e., R, SAS, SQL, MATLAB, Python) and/or other analytical techniques and software to develop, test and execute analyses and reporting - Effectively prioritize competing initiatives and share with senior leadership tradeoffs and constraints across various projects - Partner with business leaders and different teams to define priorities, align resources, and communicate progress to executive leadership Requirements - Bachelor’s degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science is preferred. - 8 years of experience in a data driven analytics environment; consumer lending, credit cards, or Fintech preferred; PHD degrees may offset experience - Advanced analytical skillset using tools such as SQL, Excel skills required; experience with multiple types of relational databases and/or querying languages is a plus - Innovative and capable of developing a highly analytical approach to solving problems preferably inside consumer lending - Strong communication, interpersonal and negotiation skills to achieve business objectives - Ability to work in fast-paced ever-changing environment and the ability to juggle an array of tasks and individuals on tight timelines Preferred Qualifications: - people management experience Location: Baltimore, MD Who we Are OneMain 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 insurance - 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) Target base salary range is $160k - $180k, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive additional compensation program that is based on individual and company performance. Save Job

Keywords: OneMain Financial, Baltimore , AD - Credit Analytics, Accounting, Auditing , Baltimore, Maryland