Senior Analyst - Credit Analytics Credit Execution

I like working at OneMain because of the opportunity it provides.

Senior Analyst - Credit Analytics Credit Execution

Schedule

Full-Time Hybrid

Location

Wilmington, DE

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.

Required

• 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.
• 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.

Preferred

• 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.

Who We Are

OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we’ve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.

Culture

• We foster an entrepreneurial spirit that's powered by a national brand – our teams are empowered to make a difference.
• We encourage teams to take ownership of initiatives in this fast-paced, innovative culture so they can drive solutions that stay ahead of customer needs.
• We prioritize teamwork and building in-person connections with each other, understanding that fostering a collaborative environment is the best way to support each other.
• We promote avenues to allow team members to expand their professional capabilities and continuously develop skills, facilitating upward mobility and career progression.

Benefits

• Promote social and family well-being by offering paid time off for volunteer hours and providing family back-up care.
• Offer extensive, comprehensive coverage to support team members’ needs physically and mentally, such as access to Talkspace and Hinge for on-demand physical therapy via an app.
• Offer financial wellness that includes 401(k) with match, ESPP, tuition reimbursement and tools like subscription cancelation that help you stay on top of your financial goals.