Lead Analyst – Credit Analytics

OneMain Financial • Wilmington, DE

4d • Hybrid

About The Position

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. 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.

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
• 3+ years of experience in a complex, data-driven problem solving environment
• Innovative and capable of developing a highly analytical approach to solving problems

Nice To Haves

• Lending or consumer finance industry experience preferred

Responsibilities

• 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.

Benefits

• 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)
• Paid sick leave as determined by state or local ordinance, prorated based on start date
• Paid holidays (11 days per year, based on start date)
• Paid volunteer time (3 days per year, prorated based on start date)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1,001-5,000 employees