Senior Analyst - Credit Execution

OneMain Financial • Wilmington, DE

1d • Hybrid

About The Position

We are seeking a Senior Analyst to join our Credit Execution Team to support the implementation of credit and pricing-related strategies and models for the personal loans’ portfolio across affiliate and partner platforms. This role will focus on delivering high-quality work products across various credit execution and decisioning operations engagements, collaborating closely with Data science, Analytics, Product, and Technology partners. You will work across platforms such as Credit Karma LightBox, Experian Activate, and other affiliate engagement channels, as well as backend decisioning platform integrations, to drive business impact through disciplined technical execution. In the Role Implement credit and pricing-related strategies into production-ready logic for personal loan origination workflows across affiliate platforms and backend decisioning systems. Own end-to-end delivery, with minimum supervision, of strategy and model deployments, from requirements intake and technical specification through testing, validation, and production release. Serve as the execution point of contact for affiliate platform integrations, developing and maintaining platform-specific configurations, eligibility logic, and offer presentation workflows. Build and maintain Python-based scripts, data pipelines, and automation tools to support batch file generation, data extraction, eligibility processing, and reporting workflows. Write and optimize SQL queries for data analysis, strategy validation, and portfolio performance monitoring across large-scale datasets. Design and execute test-and-control frameworks (e.g., A/B split designs, eligibility segmentation) for new strategy rollouts and affiliate integrations. Monitor deployed models and strategies and affiliate channel performance against expected benchmarks and recommend data-driven optimizations. Prepare and deliver high-quality documentation, executive summaries, and evaluation materials for leadership review. Proactively identify process improvement opportunities across the credit execution lifecycle and propose solutions backed by data.

Requirements

• Bachelor’s degree in computer science, engineering, or related quantitative field (Master’s degree preferred) and 4+ years in financial services with experience in credit risk, lending operations, or decisioning.
• Strong Python programming expertise, including proficiency with core data structures, object-oriented programming principles, and standard libraries (pandas, NumPy, requests).
• Proficiency in SQL and experience working with large datasets (Snowflake, SQL Server, or equivalent).
• Solid understanding of modern system architecture concepts (microservices, APIs, event-driven design).
• Familiarity with containerization concepts (Docker, Kubernetes) and CI/CD pipelines.
• Understanding of version control (Git) and modern software development practices.
• Demonstrated ability to work independently with minimal oversight and drive initiatives through ambiguity.
• Strong written and verbal communication skills with the ability to influence stakeholders and clearly articulate opportunities, trade-offs, and recommendations.

Nice To Haves

• Experience in credit decisioning or personal loan origination workflows within the financial services domain.
• Familiarity with Credit Bureau data formats, basic statistics, and experience with data wrangling & visualization.
• Exposure to LLM/AI tooling for process automation, documentation generation, or code assistance within a professional context, but not reliant upon LLM/AI.
• Hands-on experience with Jira-based workflows, sprint capacity planning, and Agile delivery practices.

Responsibilities

• Implement credit and pricing-related strategies into production-ready logic for personal loan origination workflows across affiliate platforms and backend decisioning systems.
• Own end-to-end delivery, with minimum supervision, of strategy and model deployments, from requirements intake and technical specification through testing, validation, and production release.
• Serve as the execution point of contact for affiliate platform integrations, developing and maintaining platform-specific configurations, eligibility logic, and offer presentation workflows.
• Build and maintain Python-based scripts, data pipelines, and automation tools to support batch file generation, data extraction, eligibility processing, and reporting workflows.
• Write and optimize SQL queries for data analysis, strategy validation, and portfolio performance monitoring across large-scale datasets.
• Design and execute test-and-control frameworks (e.g., A/B split designs, eligibility segmentation) for new strategy rollouts and affiliate integrations.
• Monitor deployed models and strategies and affiliate channel performance against expected benchmarks and recommend data-driven optimizations.
• Prepare and deliver high-quality documentation, executive summaries, and evaluation materials for leadership review.
• Proactively identify process improvement opportunities across the credit execution lifecycle and propose solutions backed by data.

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, plus 2 personal days)
• 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