Senior UX Researcher

One Main Financial is the largest non-bank lender in the U.S., proudly serving millions of customers with safe, affordable, and transparent installment loans and credit cards. We are on a mission to modernize lending through cutting-edge technology and data-driven innovation. As part of the evolution of our Digital organization, we are focused on strengthening our product development lifecycle (PDLC), driving operational excellence, and enabling our product teams to deliver faster, smarter, and more consistently across our digital ecosystem.

One Main is on a mission to build and scale industry‑leading digital experiences that empower millions of customers across web and mobile platforms. We’re looking for a Senior Researcher who brings depth, curiosity, and strong execution to how we understand our users—and who treats research as a strategic lever for product and business impact.

The Senior UX Researcher will lead high‑impact research across our digital loan journey and broader product ecosystem. This role partners closely with Product, Design, Data, and Engineering to uncover meaningful user insights that inform strategy and drive measurable outcomes. The ideal candidate thrives in complex, ambiguous problem spaces and is skilled at translating research findings into clear, actionable recommendations. You will play a critical role in shaping product direction, influencing stakeholders, and advancing research craft across the organization.

• Lead end‑to‑end research initiatives on complex, ambiguous product challenges across the digital loan journey.
• Define clear learning objectives and select fit‑for‑purpose methodologies aligned to decision risk and business priorities.
• Synthesize qualitative and quantitative data into compelling insights that inform product strategy and roadmap decisions.
• Translate research findings into actionable recommendations that drive measurable product and business impact.
• Influence cross‑functional stakeholders—including Product, Engineering, Marketing, Risk, and other non‑UX partners through strong reasoning and storytelling.
• Facilitate research readouts, workshops, and collaborative sessions to build alignment and accelerate decision‑making.
• Connect insights across studies, touchpoints, and journeys to identify systemic opportunities and patterns.
• Advocate for user needs while balancing business goals, technical constraints, and regulatory considerations.
• Advance research standards, best practices, and scalable processes across teams with varying levels of UX maturity.
• Create clarity and momentum in high‑stakes or ambiguous problem spaces, enabling confident, informed decisions.

• Bachelor’s degree or equivalent practical experience.
• 4+ years of experience conducting UX research in product‑driven environments.
• Experience leading end‑to‑end research using mixed methodologies (qualitative and quantitative).
• Strong communication and influence skills with cross‑functional and executive stakeholders.
• Demonstrated ability to translate research insights into product decisions and measurable outcomes.
• Hands‑on experience with UX research platforms (e.g., User Testing, Qualtrics etc) and familiarity with behavioral analytics tools.
• Ability to manage multiple projects, priorities, and stakeholder relationships effectively.
• Portfolio demonstrating research impact on shipped products.

• Relevant financial services experience is helpful.
• Experience working in complex or regulated industries.
• Advanced degree in HCI, Psychology, Anthropology, Cognitive Science, Statistics, or a related field.
• Experience building or scaling research practices in low‑ or mid‑maturity UX organizations.
• Familiarity with research operations, insight repositories, journey mapping, or service design.
• Working knowledge of behavioral analytics and cross‑channel customer experience ecosystems.

This role is Hybrid. You should be located within a commutable distance to our office located in Baltimore, MD, or Dallas, TX with expectations of being in the office Tuesday, Wednesday and Thursday.

Target base salary range in Baltimore, MD is $115k - $145k, which…