Job Description

Senior Analyst - Credit Execution

Schedule: Full-Time Hybrid

Location: Wilmington, DE

We are seeking a Senior Analyst to join our 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.