Lead Analyst, Credit Card Analytics

OneMain (Formerly Springleaf & OneMain Financials). • Charlotte, NC

60d

About The Position

We are looking for a Lead Strategy Analyst to join the Card Analytics team in Charlotte, NC. This is an exciting opportunity to learn and drive significant business results through optimization of our credit risk underwriting, pricing strategies, acquisition strategy and provide analytics insights for business partners and executive members. These strategies include, but not limited to, approval/decline, line 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. This role will have chance to pull the data, conduct deep analysis and investigation, apply critical thinking skills, draw insights from their work and leverage general business acumen to understand the customer behavior and develop profitable business strategies in a timely and accurate manner. The successful candidate will be able to summarizes their work and communicates effectively to management. Working with various partners, the role will also have responsibilities of reporting, strategy implementation, strategy validation and ad-hoc analyses including customer segmentation, competitive analysis, sensitivity analysis and modeling, and performance read. 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.

Requirements

• Bachelor's Degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management or Computer Science is preferred
• 3-5 years of experience in complex, data-driven problem solving
• 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
• Innovative and capable of developing a highly analytical approach to solving problems

Nice To Haves

• Lending or consumer finance industry experience preferred

Responsibilities

• Under your manager's limited guidance, you will 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 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)
• Most Loved Workplace 2022, 2023, and 2024

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Number of Employees: 5,001-10,000 employees