Senior Managing Director, Credit Risk and Portfolio Analytics

At OneMain, credit risk isn’t just about managing loss — it’s about enabling responsible growth, maintaining market confidence, and protecting our customers and investors through every economic cycle. We’re seeking a Senior Managing Director of Portfolio Credit Risk to serve as the enterprise leader for portfolio credit performance, loss forecasting, and risk governance across our full lending platform.

This is a high‑impact, highly visible leadership role at the intersection of credit analytics, finance, capital markets, and executive decision‑making. You will shape how OneMain anticipates risk, navigates economic uncertainty, and communicates portfolio strength to senior leadership, the Board of Directors, auditors, and the investment community.

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’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)