Associate Director - Credit Execution

We are seeking an Associate Director to join our Risk Development Team to provide technical and thought leadership across a range of credit risk initiatives. This role will focus on the execution and deployment of credit models and strategies that power our core loans decisioning platforms. You will play a critical role in driving the modernization of our decisioning ecosystem, collaborating closely with risk strategy, product, and technology partners to deliver business impact.

• Lead the design, development, testing and implementation of credit risk models, workflows and decision strategies across Risk platforms.

• Provide technical direction and best practices for risk execution initiatives, ensuring alignment with modern architecture principles.

• Collaborate with cross-functional teams (including Credit Strategy, Product, and Technology) to define and implement scalable, resilient solutions.

• Contribute to the modernization of the decisioning platform by applying expertise in cloud-native technologies, containerization, and Dev Ops practices.

• Navigate ambiguity and evolving requirements while delivering high-quality, business-critical solutions.

• Serve as a technical mentor and subject-matter expert, promoting engineering excellence and innovation within risk execution.

• Develop testing & control procedures to ensure execution accuracy and effective post implementation monitoring

• Bachelor’s degree in computer science, CIS/MIS, engineering, or related statistical field (Master’s degree preferred)

• 8+ years in financial services with heavy use of predictive models and strategy-based decision-making platforms

• Design, develop, and maintain software solutions using object-oriented programming principles in languages such as Java and Python

• Proficiency in SQL and experience working with large datasets

• Solid understanding of modern system architecture concepts (microservices, APIs, event-driven design)

• Experience with cloud platforms (AWS/Azure) and containerization (Docker, Kubernetes)

• Exposure to MLOps and Dev Ops principles, CI/CD pipelines

• Demonstrated ability to work independently and drive initiatives through ambiguity

• Proven success collaborating with diverse teams to deliver complex technical solutions that achieve business goals

• Experience in credit decisioning within the financial services’ domain

• Familiarity with decision engines (e.g., Experian Power Curve, Drools) and rule management systems

Location: [HYBRID] Wilmington, DE

One Main 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 One Main.

Because team members at their best means One Main 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 well-being 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, plus 2 personal days, prorated based on start date)

• Paid sick leave as determined by state or local ordinance, prorated based on start date

• Paid holidays (7 days per year, based on start date)

• Paid volunteer time (3 days per year, prorated based on start date)