We are seeking a dynamic and strategic credit leader to develop and manage an integrated set of credit underwriting strategies for our personal loan product. This role is pivotal in driving resilient, risk-adjusted growth through data-driven decision-making, innovative frameworks, and cross-functional collaboration.
The ideal candidate will bring deep expertise in consumer lending, pricing optimization, effective communication, and credit risk management, along with a proven track record of building high-performing teams and delivering strategic impact across the full credit lifecycle.
In the RoleStrategic Leadership- Lead the development and execution of underwriting strategies that balance risk, margin, and volume across products and customer segments.
- Design and scale best-in-class credit infrastructure to support operational efficiency, automated risk management, and valuations.
- Create and drive strategic credit initiatives that align with enterprise goals and unlock resilient business growth.
Team & Talent Development- Build, lead, and coach a high-performing team of credit analysts and managers.
- Foster a culture of excellence, accountability, and continuous development.
Analytical & Technical Execution- Conduct advanced statistical analysis and modeling using regression and machine learning to understand customer behavior and forecast outcomes.
- Develop profit-driven decision frameworks and risk strategies within risk appetite, with a full credit-cycle view.
- Oversee reporting, performance monitoring, and strategy validation to ensure continuous improvement.
Cross-Functional Collaboration- Partner with product, finance, risk, and operations teams to drive improved credit performance across the organization.
- Act as both a strategic leader and internal customer to ensure alignment and execution of business priorities.
Communication & Influence- Translate complex data into actionable insights for executive leadership.
- Communicate strategy progress, performance, and recommendations to senior stakeholders.
Requirements- Bachelor's degree in a quantitative discipline (e.g., Engineering, Statistics, Economics, Business Management, Computer Science); Master's or PhD preferred
- 10+ years of experience in consumer lending, with deep expertise in pricing, credit strategy, and risk analytics
- 5+ years of leadership experience, including team development and strategic planning
- Proven ability to develop innovative, data-driven solutions to complex business problems
- Strong knowledge of pricing optimization tools, credit decisioning frameworks, and customer segmentation techniques
- Exceptional communication and stakeholder management skills
Location: Baltimore, MD or New York, NY
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 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 range is $200K - $250K, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive compensation program that is based on individual and company performance
