Placements Alley
OneMain Financial
Associate Director
Smyrna, DE,
19977
Part Time, Full Time
$106,907 per year
Posted 5 days ago
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Actively Hiring
Associate Director, Credit Policy & Analytics
We are looking for an Associate Director, Credit Policy for our Credit Pricing & Analytics team in Wilmington, DE. This is an exciting opportunity to learn and drive significant business results through optimizing our credit risk underwriting and pricing strategies. These strategies include, but not limited to, 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.
We are looking for new team members who are excited about creating, designing and implementing new and better solutions to our business challenges with limited supervision. This role will have chance to pull the data, conduct deep analysis and investigation, apply critical thinking skills, draw insights from their work and leverage general business acumen to understand the customer behavior and develop profitable business strategies in a timely and accurate manner. The successful candidate will be able to summarizes their work and communicates effectively to management.
Working with various partners, the role will also have responsibilities of reporting, strategy implementation, strategy validation and ad-hoc analyses including customer segmentation, competitive analysis, sensitivity analysis and modeling, and performance read.
A successful candidate 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.
In the Role
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.
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-timers with:
We are looking for an Associate Director, Credit Policy for our Credit Pricing & Analytics team in Wilmington, DE. This is an exciting opportunity to learn and drive significant business results through optimizing our credit risk underwriting and pricing strategies. These strategies include, but not limited to, 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.
We are looking for new team members who are excited about creating, designing and implementing new and better solutions to our business challenges with limited supervision. This role will have chance to pull the data, conduct deep analysis and investigation, apply critical thinking skills, draw insights from their work and leverage general business acumen to understand the customer behavior and develop profitable business strategies in a timely and accurate manner. The successful candidate will be able to summarizes their work and communicates effectively to management.
Working with various partners, the role will also have responsibilities of reporting, strategy implementation, strategy validation and ad-hoc analyses including customer segmentation, competitive analysis, sensitivity analysis and modeling, and performance read.
A successful candidate 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.
In the Role
- Take lead to 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 analyses and reporting
- 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 a full credit-cycle view
- Independently complete analyses, draw conclusions, present results to all levels of leaders and influence business/strategy decision
- May effectively prioritize competing initiatives across direct reports; translate strategic priorities into individual/team initiatives and manage expectations
- Identify performance opportunities in team members and take the appropriate steps to improve the capabilities of the team
- Bachelor's degree (Graduate degree is a plus) in a quantitative discipline such as Engineering, Statistics, Economics, Business Management or Computer Science.
- 6+ years of pricing, risk underwriting or risk portfolio management experience within a personal loan or cards portfolio
- 2+ years of people management/leadership experience
- Innovative and capable of developing a highly analytical approach to solving problems
- Advanced analytical skills using SAS, SQL, R or Python
- Hands on experience with decision tree analyses and segmentation tools like CART, knowledge seeker, etc.
- Experience building advanced models using statistical analysis tools or machine learning
- Experience partnering horizontally and influencing other organizations such as technology, marketing, and operations
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.
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-timers with:
- 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, prorated based on start date)
- Paid sick leave as determined by state or local ordinance, prorated based on start date
- Paid holidays (7 days per year, based on start date)
- Paid volunteer time (3 days per year, prorated based on start date)
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FAQ's
Find the answers for the most frequently asked questions below
Are you looking for job openings with OneMain Financial near Smyrna, DE, US? You'll find plenty of opportunities in nearby cities, including Middletown, DE, New Castle, DE, Newark, DE, Wilmington, DE, Townsend, DE, Albemarle, NC, Belmont, NC, Bessemer City, NC, Boiling Springs, NC, Charlotte, NC, Cherryville, NC, China Grove, NC, Concord, NC, Conover, NC, Cornelius, NC, Cramerton, NC, Dallas, NC, Davidson, NC, Gastonia, NC, Granite Quarry, NC. These locations offer remote jobs, part-time jobs, and full-time positions with OneMain Financial. Check out current job listings in these cities to discover more employment opportunities and local jobs hiring now in your area.
If you're searching for companies hiring now in Smyrna, DE, US, several top employers are offering a variety of job opportunities. These include U.S. Department of Defense, Angi, Capital One and more. Whether you're looking for entry-level positions, work-from-home jobs, or immediate hire roles, you'll find plenty of local job listings in Smyrna, DE, US.
An Associate Director is a mid-level management position, typically found in various industries. This role often involves overseeing a team, managing projects, and collaborating with senior management to achieve organizational goals. The exact responsibilities can vary depending on the specific industry and company.
An Associate Director is a mid-level management position, typically found in various industries. This role often involves overseeing a team, managing projects, and collaborating with senior management to achieve organizational goals. The exact responsibilities can vary depending on the specific industry and company.
To become an Associate Director, typically, one should have a bachelor's degree in a relevant field, such as business, management, or a specific industry like marketing, finance, or engineering. Gaining significant experience in a lower-level role, such as a manager or senior manager, is also essential. Additionally, relevant certifications or advanced degrees may be beneficial, and demonstrating strong leadership, strategic thinking, and communication skills is key. Networking and building a strong professional reputation can also help in securing an Associate Director position.
An Associate Director is typically a position of senior management within an organization, often serving as a key support to the Director. While the Director has overall responsibility for a department or project, the Associate Director assists in managing and executing strategic plans, and may also oversee specific areas or teams. The main difference between the two roles is that the Director has the final decision-making authority, while the Associate Director assists and supports the Director in achieving the department's goals.
Yes, an Associate Director is typically a higher position than a Deputy Director. The Associate Director often has more authority and responsibilities within an organization compared to a Deputy Director. However, the exact hierarchy can vary depending on the specific organization and its structure.
An Associate Director is a mid-level management position, typically found in various industries. They often oversee a team, manage projects, and collaborate with senior directors to achieve organizational goals. Their responsibilities may include strategic planning, budgeting, and ensuring the team's work aligns with the company's objectives.
An Associate Director typically oversees a department or project within an organization, managing teams, setting goals, and ensuring project success. They may also collaborate with senior leadership and contribute to strategic decision-making.
An Associate Director of Finance is a senior-level financial management position. They typically oversee financial operations, budgeting, and strategic financial planning within an organization, often reporting directly to the Director or Chief Financial Officer. They may also be responsible for financial analysis, forecasting, and ensuring regulatory compliance.
No, an Associate Director is typically a step below a Vice President (VP) in the corporate hierarchy. While the exact responsibilities and titles can vary, an Associate Director usually has more authority and oversight than a manager, but they do not have the same level of decision-making power or strategic control as a VP.
Yes, an Associate Director is typically a higher position than an Assistant Vice President (AVP), as the Associate Director usually has more responsibilities and a higher level of authority within an organization. However, the exact hierarchy can vary depending on the specific company and industry.