VPMD Personal Loan Credit

We are seeking a dynamic and strategic credit leader to develop and manage an integrated set of credit underwriting strategies for our personal loan product. This role is pivotal in driving resilient risk-adjusted growth through data-driven decision-making innovative frameworks and cross-functional collaboration.

The ideal candidate will bring deep expertise in consumer lending pricing optimization effective communication and credit risk management along with a proven track record of building high-performing teams and delivering strategic impact across the full credit lifecycle.

In the Role

Strategic Leadership

• Lead the development and execution of underwriting strategies that balance risk margin and volume across products and customer segments.
• Design and scale best-in-class credit infrastructure to support operational efficiency automated risk management and valuations.
• Create and drive strategic credit initiatives that align with enterprise goals and unlock resilient business growth.

Team & Talent Development

• Build lead and coach a high-performing team of credit analysts and managers.
• Foster a culture of excellence accountability and continuous development.

Analytical & Technical Execution

• Conduct advanced statistical analysis and modeling using regression and machine learning to understand customer behavior and forecast outcomes.
• Develop profit-driven decision frameworks and risk strategies within risk appetite with a full credit-cycle view.
• Oversee reporting performance monitoring and strategy validation to ensure continuous improvement.

Cross-Functional Collaboration

• Partner with product finance risk and operations teams to drive improved credit performance across the organization.
• Act as both a strategic leader and internal customer to ensure alignment and execution of business priorities.

Communication & Influence

• Translate complex data into actionable insights for executive leadership.
• Communicate strategy progress performance and recommendations to senior stakeholders.

Requirements

• Bachelors degree in a quantitative discipline (e.g. Engineering Statistics Economics Business Management Computer Science); Masters or PhD preferred
• 10 years of experience in consumer lending with deep expertise in pricing credit strategy and risk analytics
• 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

Location: Baltimore MD or New York NY

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 weve 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 were 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. Theres 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. Thats why weve 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)

Target base salary range is $200K - $250K which is based on various factors including skills and work addition to base salary this role is eligible for a competitive compensation program that is based on individual and company performance

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.