VP/MD - Personal Loan Credit

OneMain Financial • Baltimore, MD

6d

About The Position

OneMain Financial is seeking a strategic credit leader to develop and manage integrated credit underwriting strategies for its personal loan product. The role is focused on driving resilient, risk-adjusted growth through data-driven decisions, innovative frameworks, and collaboration across the organization. The leader will apply expertise in consumer lending, pricing optimization, communication, and credit risk management, and will build high-performing teams while delivering impact across the full credit lifecycle.

The role leads the development and execution of underwriting strategies that balance risk, margin, and volume across products and customer segments. It also designs and scales credit infrastructure to support operational efficiency, automated risk management, and valuations, and drives strategic credit initiatives aligned with enterprise goals.

The position leads and develops credit analysts and managers, conducts advanced statistical analysis and modeling, creates profit-driven decision frameworks, and oversees reporting, performance monitoring, and strategy validation. It partners with product, finance, risk, and operations teams, and communicates strategy, performance, and recommendations to executive leadership and senior stakeholders.

The position is located in Baltimore, Maryland, or New York, New York. OneMain Financial offers flexible work arrangements, though the specific workplace arrangement for this role is not stated.

Requirements

• Bachelor’s degree in a quantitative discipline such as Engineering, Statistics, Economics, Business Management, or Computer Science.
• At least 10 years of experience in consumer lending, with deep expertise in pricing, credit strategy, and risk analytics.
• At least 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.

Nice To Haves

• Master’s degree or PhD preferred.

Responsibilities

• Lead development and execution of underwriting strategies that balance risk, margin, and volume across products and customer segments.
• Design and scale credit infrastructure to support operational efficiency, automated risk management, and valuations.
• Create and drive strategic credit initiatives aligned with enterprise goals and resilient business growth.
• Build, lead, and coach a high-performing team of credit analysts and managers.
• Foster a culture of excellence, accountability, and continuous development.
• Conduct advanced statistical analysis and modeling, including regression and machine learning, to understand customer behavior and forecast outcomes.
• Develop profit-driven decision frameworks and risk strategies within risk appetite, considering the full credit cycle.
• Oversee reporting, performance monitoring, and strategy validation to ensure continuous improvement.
• Partner with product, finance, risk, and operations teams to improve credit performance across the organization.
• Translate complex data into actionable insights for executive leadership.
• Communicate strategy progress, performance, and recommendations to senior stakeholders.

Benefits

• Health and wellbeing options, including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurance.
• 401(k) matching up to 4%.
• Employee Stock Purchase Plan with a 10% share discount.
• Tuition reimbursement.
• Paid time off: 15 vacation days per year and 2 personal days, prorated based on start date.
• Paid sick leave as determined by state or local ordinance, prorated based on start date.
• Seven paid holidays per year, based on start date.
• Three paid volunteer days per year, prorated based on start date.
• Competitive compensation program based on individual and company performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Executive