The Loans Fraud Lead Analyst will be accountable for fraud strategy analytics for branch/digital loan acquisitions and transactions spanning One Main's Personal Loans and Direct Auto businesses. It is an exciting opportunity for someone looking to build and truly influence fraud defenses across a variety of originations channels and methods in a growing and evolving organization.

The candidate will be responsible for supporting analytics that drive fraud strategy performance and execution, ensuring we are balancing between reducing fraud and maintaining minimum user friction. Working with various partners, the role will also have responsibilities for fraud reporting to senior leadership, strategy implementation, testing and validation, and, as need arises, ad-hoc analyses.

A successful candidate must love digging into the details and have a passion for deriving data-driven insights. This role requires being both proactive and reactive - understanding what the next question may be, while adapting to real-time issues and needs. Though most time will be spent in data and strategy development, there will be opportunities to interface with other teams (Operations, Technology, Compliance) to align with broader organizational initiatives.

In the Role

* Prepare and present regular fraud performance reporting and analytics results to management and business partners.
* Support development and execution of fraud acquisition strategies that balance loss prevention, sales growth, and customer experience.
* Autonomously draw conclusions and make recommendations for developing or modifying existing strategies or processes.
* Optimize operational efficiency of manual reviews.
* Collaborate with business partners to ensure fraud strategies are implemented accurately and on-time.
* Optimize existing verification and fraud processes to improve customer experience and decrease losses.
* Identify, verify and analyze data defects/issues and communicate with the appropriate team to determine the root cause for issue resolution.
* Execute ad-hoc data process jobs to enhance fraud prevention efforts.

Requirements

* Bachelor's degree in a quantitative discipline such as Statistics, Economics, Business Management or Computer Science; Master's Degree preferred.
* Minimum 3+ years' experience in quantitative risk analytics (credit card or personal loans); preferably at a financial institution, auto/fraud experience a plus.
* Advanced programming skills and knowledge in analytics and statistic tools (e.g. SAS, SQL, Python).
* Experience utilizing data visualization tools (Tableau, Power BI, or equivalent).
* Proficient knowledge of Microsoft Excel/PowerPoint.
* Excellent quantitative and analytic skills; ability to derive patterns, trends and insights, and perform risk/reward trade-off analysis.
* Ability to work independently and within a team setting with minimal direction/supervision.
* Extremely detail-oriented; intellectual curiosity.
* Ability to multi-task and work against tight deadlines.
* Experience with writing originations strategies and leveraging third party decision platforms.

Location: Wilmington, DE; Baltimore, MD

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 for team members and their dependents
* Up to 4% matching 401(k)
* Employee Stock Purchase Plan (10% share discount)
* Tuition reimbursement
* Continuing education
* Bonus eligible
* Paid time off
* Paid volunteer time
* And more

OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) and Affirmative Action (AA) employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identify, national origin, age, marital status, protected veteran status, or disability status.