The Senior Loans Fraud Data Analyst will be accountable for fraud strategy analytics for branch/digital loan acquisitions and transactions spanning OneMain's Personal Loans and Auto businesses. It is an exciting opportunity for someone looking to build and truly influence fraud defenses across a variety of originations channels and methods in a growing and evolving organization. The candidate will be responsible for supporting analytics that drive fraud strategy performance and execution, ensuring we are balancing between reducing fraud and maintaining minimum user friction. Working with various partners, the role will also have responsibilities for fraud reporting to senior leadership, strategy implementation, testing and validation, and, as need arises, ad-hoc analyses.
A successful candidate must love digging into the details and have a passion for deriving data-driven insights. This role requires being both proactive and reactive - understanding what the next question may be, while adapting to real-time issues and needs. Though most time will be spent in data and strategy development, there will be opportunities to interface with other teams (Operations, Technology, Compliance) to align with broader organizational initiatives.
In the Role- Prepare and present regular fraud performance reporting and analytics results to management and business partners.
- Support development and execution of fraud acquisition strategies that balance loss prevention, sales growth, and customer experience.
- Optimize operational efficiency of manual reviews.
- Collaborate with business partners to ensure fraud strategies are implemented accurately and on-time.
- Optimize existing verification and fraud processes to improve customer experience and decrease losses.
- Identify, verify and analyze data defects/issues and communicate with the appropriate team to determine the root cause for issue resolution.
- Execute ad-hoc data process jobs to enhance fraud prevention efforts.
- Responsible for develop/updating routine reporting such as Monthly Fraud KPI reporting, vendor performance reporting...etc.
- Leverage MS Power BI along with advanced data mining techniques to develop and maintain operational performance dashboards for Enterprise Fraud Group
- Responsible for linking analysis of incoming apps based on customer's matching data and produce reports highlighting suspected applications to support Enterprise Fraud Group in investigating fraud on daily basis (15%).
- Responsible for managing and monitoring Fraud Schema database
Requirements- Bachelor's degree in a quantitative discipline such as Statistics, Economics, Business Management or Computer Science; Master's Degree preferred.
- Minimum 3+ years' experience in quantitative risk analytics (credit card or personal loans); preferably at a financial institution, auto/fraud experience a plus.
- Advanced programming skills and knowledge in analytics and statistic tools (e.g. SAS, SQL, Python).
- Experience utilizing data visualization tools (Tableau, Power BI, or equivalent).
- Proficient knowledge of Microsoft Excel/PowerPoint.
- Excellent quantitative and analytic skills; ability to derive patterns, trends and insights, and perform risk/reward trade-off analysis.
- Ability to work independently and within a team setting with minimal direction/supervision.
- Extremely detail-oriented; intellectual curiosity.
- Ability to multi-task and work against tight deadlines.
- Experience with writing originations strategies and leveraging third party decision platforms.
Location: Wilmington, DE; 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 for team members and their dependents
- Up to 4% matching 401(k)
- Employee Stock Purchase Plan (10% share discount)
- Tuition reimbursement
- Continuing education
- Bonus eligible
- Paid time off
- Paid volunteer time
- And more
