Senior Managing Director, Credit Risk and Portfolio ...

At OneMain, credit risk isnu2019t just about managing loss u2014 itu2019s about enabling responsible growth, maintaining market confidence, and protecting our customers and investors through every economic cycle. Weu2019re 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 highu2011impact, highly visible leadership role at the intersection of credit analytics, finance, capital markets, and executive decisionu2011making. 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 Youu2019ll Do Portfolio Credit Forecasting & Loss Management + Lead enterpriseu2011wide 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 forwardu2011looking 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 assetu2011backed 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, highu2011yield bondholders, and wholeu2011loan 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 u2014 able to translate analytics into strategic insight + Proven experience leading and developing highu2011performing 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 longu2011term planning + Strong executive presence and credibility with senior leaders and external stakeholders + Ability to lead through influence across highly crossu2011functional teams Who W e 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, weu2019ve 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, weu2019re 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. Thereu2019s 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. Thatu2019s why weu2019ve packed 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 (15daysu2019 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)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.

Created: 2026-03-23