Lead Developer - Risk Execution

Lead Developer – Risk Execution

Location: Wilmington, DE (Hybrid)

We are seeking a skilled and self-motivated Lead Developer to join our Risk Development team, based in Wilmington, DE. This role will focus on designing, implementing, and optimizing credit risk models and strategies across proprietary platforms and partner channels. You will also play a key role in the ongoing modernization of our decisioning infrastructure.

As a Lead Developer, you will combine technical expertise with strategic thinking and cross-functional collaboration to drive innovation, efficiency, and value across risk execution efforts. 

Key Responsibilities

• Translate credit risk intent into efficient, scalable, and reliable solutions in partnership with risk analysts and data scientists in the lending space
• Lead cross-functional collaboration across engineering, credit risk, and product teams to identify new opportunities and modernize system capabilities.
• Drive successful execution of modernization initiatives, ensuring quality, timely delivery, and robust documentation
• Develop testing & control procedures to ensure execution accuracy and effective post implementation monitoring.
• Conduct ongoing performance assessments of deployed logic and recommend improvements for optimization
• Lead and contribute to technical design discussions, architecture planning, and implementation of enhancements in decisioning systems.

Qualifications

Bachelor’s or Master’s degree in Computer Science, Software Engineering, or a related field.

• Proven experience in software development, preferably within the financial services or risk management industry focused on risk and/or compliance implementations
• 4+ years of programming experience (Python preferred), with strong fundamentals in algorithms, data structures, and handling complex datasets
• Solid experience in Java, SQL, and JSON for backend service design and implementation
• Proficient in cloud environments, with strong hands-on knowledge of AWS and containerization tools like Kubernetes and Docker.
• Experience in building and maintaining decision engines and rule-based systems (Drools/vendor solutions)

• Exposure to machine learning infrastructure and microservices-based architecture in cloud-native environments
• DevOps understanding in a Cloud environment to manage CI/CD
• Skilled in Agile development and incremental delivery methodologies.
• Ability to communicate effectively with technical and non-technical stakeholders
• Demonstrated leadership in cross-functional delivery and an ability to work autonomously in a fast-paced setting
• Strong problem-solving orientation with adaptability to evolving priorities and technologies

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, 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)