OneMain Financial

Title: Senior Analyst - Credit Analytics Credit Execution Location: HQ_Wilmington DE Management Job Description: Full time job requisition id R2604-50422 Senior Analyst - Credit Execution Schedule: Full-Time Hybrid We are seeking a Senior Analyst to join our Credit Analytics Credit Execution Team to support the implementation of credit and pricing-related strategies and models for the personal loans’ portfolio across affiliate and partner platforms. This role will focus on delivering high-quality work products across various credit execution and decisioning operations engagements, collaborating closely with Data science, Analytics, Product, and Technology partners. You will work across platforms such as Credit Karma LightBox, Experian Activate, and other affiliate engagement channels, as well as backend decisioning platform integrations, to drive business impact through disciplined technical execution. 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. - Understanding of version control (Git) and modern software development practices. - 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. 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) - Paid sick leave as determined by state or local ordinance, prorated based on start date - Paid holidays (11 days per year, based on start date) - Paid volunteer time (3 days per year, prorated based on start date) OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.

Role Description The Dealer Relationship Representatives are responsible for identifying, building and maintaining trust-based business relationships with new auto and powersports dealers. They introduce dealers to the company and programs, demonstrating an ability to influence decisions and drive results. Motivated and entrepreneurial, Dealer Relationship Representatives drive success by achieving and surpassing business goals, meeting and exceeding sales targets, and fostering long term relationships. - Build relationships, prospect new clients, and drive business by promoting Company products/services to potential dealer partners, expanding market presence within the assigned territory. - Assist dealers with loan origination and the deal funding process, ensuring a smooth process for all parties, and provide ongoing support to clients. - Collaborate with management to analyze sales trends, identify future opportunities, and develop strategies for growth. - Monitor market competition by collecting data on pricing, product and marketing strategies. - Investigate customer issues raised by customers, develop positions and present recommendations to management. - Work independently across multiple technologies, with excellent time management and the ability to prioritize effectively. Qualifications - HS Diploma/GED with equivalent work experience in related field. - 1-3 years of experience in auto dealership, business to business sales, or finance, with solid understanding of credit and lending. - Ability to overcome challenges and stay motivated in a fast-paced, goal driven environment. - Strong analytical skills in report interpretation and evaluation. - Reliable internet and telephone service, and dedicated home office or workspace within the assigned territory. - A valid driver’s license and acceptable motor vehicle records history. Requirements - Experience in relationship management within the auto financing industry, with a focus on building and maintaining strong client relations or managing accounts (preferred). - Ability to work effectively with various teams and partners to contribute to organizational initiatives (preferred). - Travel 50-75% of the time across the U.S. for key dealer visits, dealer ride-alongs, trade shows, and marketing events. 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).

Title: Collections Workflow Analyst Location: HQ_Wilmington DE Management Job Description: We are seeking a Collections Workflow Analyst to join our team. This role will be responsible for creating efficiencies and streamlining our collections workflow process. In this rewarding role, you will work with leaders throughout OneMain to create a uniform and consistent approach to workflow assignments to allow for a more efficient process. In the Role - Manage workflow for all manual calling effort including Next Best Action and hitlists. Ensure consistent adoption across all of collections including Card, Auto (Direct and Indirect), and Core (PL and Hard Secured). - Manage workflow for SMS hitlists. - Partner with call delivery team to maximize appropriate time in manual vs. dialer activities. - Partner with Business Performance Management Team as a capacity/reporting resource and Training for rolling out policy updates and job aids. - Identify and resolve inefficiencies and bottlenecks in existing business processes. - Coordinate with legal, policy and compliance, credit risk, sales and other business areas to maintain compliance with regulations and overall credit risk strategy. - Maintain perspective of current and future technical innovations being developed for use in the process design and asset recovery fields. - Ensure compliance monitoring and internal controls are in place, including processes for management of operational risk, in accordance with company and regulatory standards. Requirements - HS Diploma or GED - Five years experience in a high-volume Collections environment Preferred - Bachelors Degree - Knowledge or exposure to process design and engineering analysis and collections strategies. - Language skills in Spanish highly desired Location: Wilmington, DE or Fort Mill, SC - Hybrid 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, 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) OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.

Title: Lead Analyst – Credit Analytics Job Description: time type Full time job requisition id R2604-50244 Location (Wilmington, DE) Hybrid Schedule The Role We 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 & Responsibilities Working 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 / Requirements Bachelor Degree (Graduate Preferred) in a quantitative discipline such as Engineering, Statistics, Economics, or Computer Science and 4+ years of relevant 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 environment - Innovative and capable of developing a highly analytical approach to solving problems - Lending or consumer finance industry experience preferred 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-time employees 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) - Paid sick leave as determined by state or local ordinance, prorated based on start date - Paid holidays (11 days per year, based on start date) - Paid volunteer time (3 days per year, prorated based on start date) OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.

Lead Analyst, Credit Strategy for Auto Finance Analytics Location: Irving, TX, Hybrid Job Description: We are currently seeking Lead Analyst, Credit Strategy for our Auto Finance Analytics team. This role will have the exciting opportunity to drive significant business results by leading key projects and contributing to the innovation, creation, and launch of value-adding products that uniquely leverage the internal and external data resources OneMain has access to. The roles and projects could vary across various parts of the Auto analytics functions like credit risk, pricing, valuations or dealer/channel analytics. As a key member of the Auto analytics team, he or she will combine their business knowledge and analytical skills to develop strategies designed to manage risk, drive growth, and increase profitability; creating best-in-class frameworks based upon various supporting analyses and research including customer segmentation, competitive analysis, underwriting models, and historical performance. This individual will also draw strategic insights from data using analytics tools. Working with various partners, the role will also have responsibilities for strategy implementation, technology roadmap development, competitive intelligence, and performance monitoring. This individual will represent the company and may engage with key business stakeholders, suppliers, external partners, and investors. A successful candidate will utilize skills that enable them to be versatile and successfully lead initiatives across multiple disciplines. They will bring new ways of thinking, data sources, technologies, and capabilities to our business. The Role - Utilize analytic tools (i.e. SAS, SQL, MATLAB, Python, and Open Source tools such as R is a plus) data query tools to build, test, evaluate, and maintain robust data analysis and reporting for management to make timely, informed decisions. - Design, recommend, document, and execute consumer underwriting, product, channel and/or customer experience strategies to improve our lending portfolio - Partner with other leaders to define business priorities, align resources, and communicate progress to executive leadership - Analyze data and create and validate assumptions that feed into volume growth and profitability strategies - Draw conclusions by making recommendations for developing or modifying existing strategies - Incorporate response models and underwriting models into marketing programs - Continually enhance existing scorecards - Understand the data environment to appropriately prioritize and set expectations for key reporting, and analytical priorities - Effectively prioritize competing initiatives with help of their management chain; translate strategic priorities into initiatives and manage expectations - Elevate talent and culture within team through mentoring, coaching and partnering with other associates Requirements - Bachelor's Degree (Graduate a plus) in a quantitative discipline, such as Engineering, Statistics, Economics, Data Analytics or Computer Science. - 2+ years of experience in a data driven analytics environment; consumer lending preferred; Master's or PHD degrees may offset experience. 3+ years required - Advanced analytical skillset using tools such as SQL, SAS, Excel skills required; experience with multiple types of relational databases and/or querying languages is a plus such as R, Hive Python, Oracle, Unix are desired - Innovative and capable of developing a highly analytical approach to solving problems - Experience driving projects and presenting to senior management on results and ideas - Capability and willingness to learn new areas within the OneMain business and take on diverse projects 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) - Paid sick leave as determined by state or local ordinance, prorated based on start date - Paid holidays (11 days per year, based on start date) - Paid volunteer time (3 days per year, prorated based on start date) OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.