Lead Analyst - Credit Pricing & Analytics

Location
Hybrid (Wilmington, DE; Baltimore, MD; NYC)
The Role
We are looking for a Lead Analyst to join our Credit Pricing & Analytics team in Wilmington, DE. This is an exciting opportunity to learn and drive significant business results through optimization of our credit risk underwriting and pricing strategies. These strategies include 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.
Primary Duties & Responsibilities
Working with various partners the role will have responsibilities of reporting, strategy implementation, strategy validation and ad-hoc analyses including customer segmentation, competitive analysis, sensitivity analysis and modeling. This individual 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.

• 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 new strategies.
• 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 full credit-cycle view.

• Implement Quality Control processes to ensure data accuracy.
• Continually enhance existing processes and reporting through automation, quality control, presentation and insights.
• Effectively summarize and present results and insights to management.

Qualifications / Requirements
Bachelor Degree (Graduate Preferred) in a quantitative discipline such as Engineering, Statistics, Economics, or Computer Science and 4+ years of relevant analytical experience.

• Strong SQL, SAS and Excel skills required; experience with multiple types of relational databases, BI tools/platforms, and/or additional programming languages is a plus
• 4+ years of experience in a complex, data-driven problem solving environment
• Innovative and capable of developing a highly analytical approach to solving problems
• Lending or consumer finance industry experience preferred

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, weve 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, were 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. Theres 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. Thats why weve packed our comprehensive benefits package for full- and some part-time employees 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)

Target base salary is $115,000-$145,000 (Baltimore) and $115,000-$155,000 (NYC), which is based on various factors including skills and work experience.