VP/Director – Credit Execution & Decisioning Operations

OneMain Financial • Wilmington, DE

11d • Hybrid

About The Position

We are seeking a Vice President/Director to join the Credit Execution & Decisioning Operations team to lead both the day-to-day operational delivery and the strategic advancement of our credit decisioning ecosystem. This role will have primary responsibility for managing Business-as-Usual (BAU) activities, including the execution of changes and enhancements requested by credit strategy, policy, and modeling partners, while ensuring stability, accuracy, and timely delivery. In addition to BAU leadership, this position will provide strategic and technical oversight across credit and pricing decisioning, affiliate integrations, and data product initiatives. The successful candidate will own the end-to-end product roadmap, translating business and analytical requirements into scalable, production-ready solutions. Initially, the role will focus on the deployment and optimization of credit and pricing models that support our core lending platform. You will also play a key role in modernizing the decisioning infrastructure, partnering with risk technology teams to drive transformation and deliver measurable business value. This is a high-visibility opportunity for a leader who can balance operational excellence with strategic execution and drive results in a fast-paced, data-driven environment. In the Role: Set strategic direction for the design, development, testing, and implementation of credit risk and pricing products, models, workflows, and decision strategies across enterprise risk platforms. Own and oversee end-to-end BAU execution, ensuring timely delivery of strategy, policy, and modeling changes with strong operational discipline and governance. Provide technical leadership and establish best practices for risk execution initiatives, ensuring alignment with modern architecture standards and scalable design principles. Partner with technology, credit strategy, and policy teams to define long-term product vision, translating business priorities into an evolving, actionable roadmap. Lead and influence cross-functional initiatives across Credit Strategy, Pricing, Product, and Technology to deliver resilient, high-performance decisioning capabilities. Drive modernization of the decisioning ecosystem through adoption of cloud-native technologies, containerization, automation, and DevOps practices. Operate with a product-oriented mindset, applying Agile principles to prioritize, iterate, and deliver high-impact capabilities that meet dynamic business needs. Navigate ambiguity, bring structure to complex requirements, and maintain accountability for high-quality, business-critical outcomes. Build and develop high-performing teams through direct management of resources, serving as a technical leader and mentor while fostering innovation, execution excellence, and a culture of continuous improvement. Establish and maintain robust testing, control, and monitoring frameworks to ensure execution accuracy, model integrity, and effective post-implementation performance oversight.

Requirements

• Master’s degree in computer science, CIS/MIS, engineering, or related statistical field and 15+ years in financial services with heavy use of predictive models and strategy-based decision-making platforms
• 10+ years in financial services with deep experience in predictive models, credit and pricing strategy, affiliate channels and decisioning platforms
• Proven track record of leading initiatives that span model development and strategy implementation across credit, pricing, and affiliate platforms
• Strong command of object-oriented programming principles in languages such as Java and Python
• Proficiency in SQL and demonstrated experience managing and analyzing large-scale datasets.
• Expertise in modern system architecture (microservices, APIs, event-driven design)
• Hands-on experience with cloud platforms (AWS/Azure) and containerization technologies (Docker, Kubernetes)
• Product management orientation with an Agile background, comfortable leading teams through iterative delivery cycles
• Demonstrated ability to drive initiatives through ambiguity, and deliver results in matrixed environments
• Proven success building partnerships across diverse teams to deliver complex technical solutions that achieve strategic business goals
• Deep domain expertise in credit decisioning within financial services.

Nice To Haves

• Familiarity with the following decision engines: Experian PowerCurve, Drools, FICO or rule management systems.
• Familiarity with pricing optimization frameworks and affiliate partner integration models
• Background in data governance, data quality, and decisioning data operations
• Experience standing up or scaling Agile teams and fostering product-oriented delivery cultures
• Solid grounding in ML Ops and DevOps principles, including CI/CD pipeline design and implementation

Responsibilities

• Set strategic direction for the design, development, testing, and implementation of credit risk and pricing products, models, workflows, and decision strategies across enterprise risk platforms.
• Own and oversee end-to-end BAU execution, ensuring timely delivery of strategy, policy, and modeling changes with strong operational discipline and governance.
• Provide technical leadership and establish best practices for risk execution initiatives, ensuring alignment with modern architecture standards and scalable design principles.
• Partner with technology, credit strategy, and policy teams to define long-term product vision, translating business priorities into an evolving, actionable roadmap.
• Lead and influence cross-functional initiatives across Credit Strategy, Pricing, Product, and Technology to deliver resilient, high-performance decisioning capabilities.
• Drive modernization of the decisioning ecosystem through adoption of cloud-native technologies, containerization, automation, and DevOps practices.
• Operate with a product-oriented mindset, applying Agile principles to prioritize, iterate, and deliver high-impact capabilities that meet dynamic business needs.
• Navigate ambiguity, bring structure to complex requirements, and maintain accountability for high-quality, business-critical outcomes.
• Build and develop high-performing teams through direct management of resources, serving as a technical leader and mentor while fostering innovation, execution excellence, and a culture of continuous improvement.
• Establish and maintain robust testing, control, and monitoring frameworks to ensure execution accuracy, model integrity, and effective post-implementation performance oversight.

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, prorated based on start date)
• Paid sick leave as determined by state or local ordinance (prorated based on start date)
• 11 Paid holidays (4 floating holidays, prorated 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: Director