Associate Director - Credit Policy & Analytics

Job Description

Position : Associate Director, Analytics-Credit Cards

Location : Charlotte, NC (Hybrid)

We are currently seeking a Associate Director for our Credit Card Analytics team in Charlotte, NC to help grow our new credit card business. In this critical role, the select individual will help grow the analytics team for the newly launched credit card business. This leader will be responsible for growing the card business by having a significant responsibility within the Cards new account strategy team leading credit policy.

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 Role

Develop and manage key Acquisition strategies to grow Exposure profitably : approve / decline, initial credit line, and pricing

Partner with Underwriting and Product teams to optimize booking rates

Partner with Data Science to evaluate alternative data sources, and develop and implement cutting edge underwriting models

Design and manage A / B testing around initial credit line

Partnering with Technology, Engineering, and Implementation partners to drive timely change across different platforms

Build and develop a team of analysts supporting the long-term card product growth

Requirements

Bachelor’s degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science is preferred.

7+ 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 of tasks and individuals on tight timelines

4+ years as a people manager

Preferred :

Demonstrates the ability to balance strategic thinking and credit policy delivery

Strong team leader with strong focus on employee development & proven ability for building & leading large talented teams located across various geographies & time zones

Excellent communication skills and ability to influence senior executives and peers across functions

Ability to synthesize insights across different sources into a comprehensive and holistic strategy

Exhibits energy, curiosity, and ability to frame intelligent questions to uncover issues and spearhead the formulation of approach and methodology

Self-motivated and organized – a high degree of comfort managing multiple stakeholders and team members; strong collaboration and teamwork skills; and a problem-solver oriented toward achieving results

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)