VP/D Principal Engineer - Credit Cards

VP/ D Principal Engineer - Credit Card Technology

Location: Dallas

About OneMain Financial

OneMain Financial is the nation's largest lending-exclusive financial company, serving millions of customers through digital channels and more than 1,400 branches across 44 states. For over 100 years, our mission has remained the same-helping customers improve their financial well-being by providing responsible, transparent lending solutions.

As we continue to modernize our Credit Card platform, we are seeking a Principal Engineer to provide technical leadership and drive the architecture of our next-generation credit card ecosystem.

Position Summary

The Principal Engineer will serve as the technical leader for the Credit Card Technology organization, defining and driving the long-term architecture strategy across customer acquisition, existing customer servicing, collections, payments, and third-party integrations.

This role requires a seasoned technology leader who can influence engineering teams across the organization, establish engineering standards, and design scalable, secure, cloud-native solutions that support business growth and operational excellence.

Responsibilities

• Define and drive the architectural vision and long-term technology roadmap for the Credit Card platform.
• Partner closely with the Enterprise Architecture team to align Credit Card technology initiatives with the organization's enterprise architecture standards, target-state architecture, and strategic technology roadmap.
• Lead architecture across customer acquisition, existing customer servicing, payments, collections, and third-party/vendor integrations.
• Design scalable, secure, cloud-native solutions leveraging AWS, microservices, event-driven architecture, and modern integration patterns.
• Drive API strategy using GraphQL and REST to enable seamless integration across digital channels and partner ecosystems.
• Establish architectural standards, design principles, and engineering best practices across multiple delivery teams.
• Evaluate technology options, articulate architectural trade-offs, and recommend solutions that balance business needs, scalability, reliability, security, and cost.
• Lead root cause analysis, operational reviews, and remediation planning for critical production issues.
• Drive modernization initiatives to reduce technical debt and improve system resilience, performance, and maintainability.
• Mentor senior engineers and architects, fostering a culture of technical excellence, innovation, and continuous learning.
• Collaborate with Product, Business, Infrastructure, Security, Risk, and Enterprise Architecture teams to deliver strategic initiatives aligned with business objectives.

Required Qualifications

• 12+ years of software engineering experience, including significant experience designing enterprise-scale distributed systems.
• Proven experience leading architecture for customer-facing financial services platforms, preferably credit card or lending systems.
• Deep expertise in designing microservices and event-driven architectures.
• Strong experience with AWS cloud services and cloud-native design patterns.
• Extensive experience with GraphQL and REST API design and governance.
• Strong experience building applications using TypeScript, Node.js, and modern web frameworks such as React or Angular.
• Expertise in CI/CD pipelines, DevSecOps practices, infrastructure automation, and deployment strategies.
• Experience integrating with enterprise vendors such as credit bureaus, payment processors, fraud platforms, authentication providers, or collections systems.
• Strong understanding of application security, scalability, reliability, observability, and performance engineering.
• Exceptional communication skills with the ability to influence technical direction across multiple teams.

Preferred Qualifications

• Experience in Credit Card, Consumer Lending, Banking, or Financial Services.
• Experience with event streaming platforms such as Kafka or EventBridge.
• Experience implementing Domain-Driven Design (DDD).
• Experience with enterprise integration patterns and API management.
• Familiarity with PCI DSS and financial regulatory requirements.
• Experience driving cloud modernization and legacy transformation initiatives.

Leadership Expectations

• Acts as the technical authority for the Credit Card Technology organization.
• Drives architecture decisions that balance business priorities, engineering quality, scalability, and long-term maintainability.
• Influences engineering teams without direct authority.
• Champions innovation while maintaining operational stability.
• Builds engineering capability through mentoring, coaching, and knowledge sharing.
• Continuously evaluates emerging technologies and industry best practices to improve the engineering organization.

Technical Skills

• Cloud: AWS
• Architecture: Microservices, Event-Driven Architecture, Domain-Driven Design
• Languages: TypeScript, JavaScript, Node.js
• Frontend: React, Angular
• API Technologies: GraphQL, REST
• CI/CD: GitHub Actions, Jenkins, Azure DevOps (or equivalent)
• Observability: OpenTelemetry, CloudWatch, Splunk, Datadog (or similar)
• Containers: Docker, Kubernetes, ECS/EKS

Top Skills

• AWS Cloud Architecture
• Microservices & Distributed Systems
• GraphQL & API Architecture
• Credit Card Platform & Customer Servicing Architecture
• Vendor Integration & Enterprise Architecture

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)

OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.