Ad-Credit Line Increase Strategy

Onemain Financial; Clover (SC); Hybrid; USD 140,000 - 190,000; Full time

Benefits offered by this job

Health benefits

Hybrid work arrangement

Career development

Job summary

OneMain Financial is seeking an Associate Director to drive our CLI strategy for the Card business. You will combine deep credit expertise with data-driven decision making to balance risk and growth.

You will lead cross-functional teams, evaluate new data sources, and partner with product and acquisition teams to design an end-to-end CLI program for customers in a hybrid Charlotte-based role. This senior position offers high visibility with executive leadership and opportunities to shape

Qualifications

• Bachelor’s Degree in a quantitative discipline (Engineering, Statistics, Economics, Business Management, or Computer Science)
• 5+ years of experience in consumer lending, driving informative risk decisions through analyses; Master’s or PhD degrees may offset experience
• Advanced analytical toolset using SQL, SAS, R, or Python

Responsibilities

• Develop and refine CLI policies to achieve risk and growth objectives.
• Conduct deep credit analysis to identify trends, risks, and opportunities within the portfolio.
• Design and execute A/B testing strategies to evaluate new approaches and optimize outcomes.
• Prepare and deliver presentations to executive leadership, providing insights and recommendations.
• Lead cross-functional teams (Product, Marketing, Technology, Operations) to execute strategies with strong customer experience.
• Develop and execute on business requirements to implement credit/business strategies to improve the lending portfolio.
• Effectively prioritize competing initiatives and communicate tradeoffs to senior leadership.
• Partner with business leaders across functions to define priorities and communicate progress to executives.

Skills

Advanced analytics

Cross-functional collaboration

Problem solving

Data-driven decision making

Education

Bachelor’s Degree in a quantitative discipline

Tools

SQL

SAS

R

Python

Job description

We are currently seeking an Associate Director to drive our credit line increase credit strategy for our Card business. This is a high-impact role with significant senior-level exposure, requiring a strategic thinker who can combine deep credit expertise with innovative approaches that balance risk and growth.

The selected individual will shape and advance our CLI strategy through data-driven analysis and cross-functional leadership. This includes evaluating new data sources to strengthen decision-making, acting as customer for data science teams building new models, and partnering with product and acquisition teams to design and market a comprehensive end-to-end customer line strategy.

Key Responsibilities

• Develop and refine CLI policies to achieve both risk and growth objectives.

• Conduct deep credit analysis to identify trends, risks, and opportunities within the portfolio.

• Design and execute A/B testing strategies to evaluate new approaches and optimize outcomes.

• Prepare and deliver presentations to executive leadership, providing clear insights and actionable recommendations.

• Lead cross-functional teams (Product, Marketing, Technology, Operations) to bring strategies to life with great customer experience and flawless execution.

• Develop and execute on business requirements to implement credit/business strategies to improve our lending portfolio

• Effectively prioritize competing initiatives and share with senior leadership tradeoffs and constraints across various projects

• Partner with business leaders across functional areas to define priorities, align resources, and communicate progress to executive leadership

Qualifications

• Bachelor’s Degree in a quantitative discipline (Engineering, Statistics, Economics, Business Management, or Computer Science)

• 5+ years of experience in experience in consumer lending, driving informative risk decisions through analyses; Master’s or PHD degrees may offset experience

• Advanced analytical skillset using tools such as SQL, SAS, R, or Python

• Innovative and capable of developing creative solutions to complex, data-driven problems

Location: Charlotte, NC // HYBRID (Tues. - Thurs.)

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, 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)