Senior Managing Director, Credit Risk and Portfolio Analytics

What You’ll Do

Portfolio Credit Forecasting & Loss Management

• Lead enterprise‑wide credit loss and delinquency forecasting across Personal Loans, Auto Finance, and Credit Cards

• Own the CECL loan loss reserve framework, ensuring accuracy, transparency, and compliance with accounting and regulatory standards

• Partner closely with Finance and Treasury to embed credit forecasts into capital planning, stress testing, and liquidity strategy

Executive Analytics & Strategic Insight

• Deliver clear, actionable portfolio insights to senior management and the Board of Directors

• Identify emerging risks, shifts in borrower behavior, and performance trends across products, channels, and customer segments

• Translate complex credit and economic dynamics into concise executive narratives that drive informed decisions

• Monitor macroeconomic conditions, labor markets, and consumer trends to assess portfolio impact and forward‑looking risk

Credit Risk Oversight & Governance

• Lead enterprise credit risk oversight, including decision governance, policy adherence, and portfolio monitoring

• Maintain strong underwriting, decisioning, and monitoring frameworks

• Provide independent challenge to credit strategies, models, and major business initiatives

Capital Markets & Investor Engagement

• Support asset‑backed securitizations, whole loan sales, and capital markets activity with rigorous credit analytics

• Develop and maintain credit monitoring frameworks and loan selection criteria for securitization pools

• Represent OneMain with ABS investors, high‑yield bondholders, and whole‑loan buyers, articulating portfolio performance, trends, and risk management strategy

What You Bring

Required Qualifications

• 15+ years of experience in consumer credit risk, portfolio analytics, or financial services risk leadership

• Deep expertise in credit forecasting, CECL, loss modeling, and portfolio performance management

• Strong understanding of consumer lending products, underwriting, and risk governance

• Exceptional executive communication skills — able to translate analytics into strategic insight

• Proven experience leading and developing high‑performing analytical and risk teams

• Experience in a publicly traded financial institution or large consumer lender

Preferred Qualifications

• Advanced degree in Finance, Economics, Statistics, or a related field

• Background in macroeconomic modeling, scenario analysis, or stress testing

• Experience engaging with auditors, regulators, and investors

Leadership Attributes That Matter Here

• Commitment to analytical rigor, transparency, and disciplined risk management

• Strategic mindset with the ability to anticipate risk and guide long‑term planning

• Strong executive presence and credibility with senior leaders and external stakeholders

• Ability to lead through influence across highly cross‑functional teams

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’velooked 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 productshelppeople 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,careersand our company. At every level,we’recommitted to an inclusive culture, careerdevelopmentandimpactingthe communities where we live and work. Getting people to a better place has made usa bettercompany for over a century.There’snever been a better time to shine with OneMain.

Because team members at their best means OneMainatour best, we provide opportunities and benefits that make their health and careers a priority.That’swhywe’vepacked our comprehensive benefits package for full- and some part-timers with: 

• Health andwellbeingoptions 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 (15days’ vacation per year, prorated based on start date) 

• Paid sick leave asdeterminedby 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)