Lead Analyst, Credit Pricing & Analytics
Company: OneMain Financial
Location: Wilmington
Posted on: April 16, 2024
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Job Description:
Lead Analyst - Credit Pricing & AnalyticsLocationHybrid
(Wilmington, DE) -The RoleWe are looking for a Lead Analyst to join
our Credit Pricing & Analytics team in Wilmington, DE. This is an
exciting opportunity to learn and drive significant business
results through optimization of our credit risk underwriting and
pricing strategies. -These strategies include approval/decline,
loan amount 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.Primary Duties & ResponsibilitiesWorking
with various partners the role will have responsibilities of
reporting, strategy implementation, strategy validation and ad-hoc
analyses including customer segmentation, competitive analysis,
sensitivity analysis and modeling. This individual 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.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.Qualifications / RequirementsBachelor
Degree (Graduate Preferred) in a quantitative discipline such as
Engineering, Statistics, Economics, or Computer Science and 3+
years of relavent analytical experience.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 -3+ years of experience in a complex,
data-driven problem solving environmentInnovative and capable of
developing a highly analytical approach to solving problemsLending
or consumer finance industry experience preferredWho we AreOneMain
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.Driven collaborators and
innovators, our team thrives on transformative digital thinking,
customer-first energy and flexible work arrangements that grow
lives, careers and our company. At every level, we're committed to
an inclusive culture, career development and impacting the
communities where we live and work. Getting people to a better
place has made us a better company for over a century. There's
never been a better time to shine with OneMain.Because team members
at their best means OneMain at our best, we provide opportunities
and benefits that make their health and careers a priority. That's
why we've packed our comprehensive benefits package for full- and
some part-time employees with: -Health and wellbeing options for
team members and their dependentsUp to 4% matching 401(k)Employee
Stock Purchase Plan (10% share discount)Tuition
reimbursementContinuing educationBonus eligiblePaid time offPaid
volunteer time -
Keywords: OneMain Financial, Wilmington , Lead Analyst, Credit Pricing & Analytics, Professions , Wilmington, Delaware
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