LendingClub

LendingClub

Sr Credit Strategy Analyst

San Francisco, CA · Senior

Sponsorship not specified$103k-$121kDetected 9 days ago
PythonSQLData ScienceData VisualizationStatisticsA/B TestingExcelHRISCommunicationCollaborationPublic SpeakingUnderwriting

Stay score

odds of building a lasting career here

45Sponsors, lottery-bound
Cap-exempt (no lottery)0
Sponsors this role72
Entry-level history0
PERM / green-card track0
Lottery odds (Level II)66
Fits your clock70

Sponsors, but it's cap-subject — you still face the weighted lottery (~30% per draw at Level II). Good if you win; have a cap-exempt backup on your list.

Lottery odds assume a STEM candidate.

Personalize to your clock →

H-1B wage level

the lottery is wage-weighted — each level is one more entry

Level I · 1×
Level I$110,3861 entry
Level II$142,4382 entries
Level III$174,5123 entries
Level IV$206,5654 entries

The bottom of this range ($103,000) is below the Level I prevailing wage of $110,386. An H-1B cannot be filed below the prevailing wage, so an offer at the floor of this band could not be sponsored as posted.

DOL prevailing wage, 2026-27 wage year · Data Scientists (15-2051) · San Francisco-Oakland-Fremont, CA. Wage level is derived by USCIS from the offered wage, occupation and worksite; the occupation shown is inferred from the job title.

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About the role

  • As a key member of Happen Bank's Credit Risk Management team, you'll help develop, implement, and monitor underwriting and pricing strategies for our Personal Loans product.
  • Your analysis will help improve risk-adjusted returns, manage credit losses, and identify responsible growth opportunities.
  • You'll deliver defined analyses and support strategy changes with guidance from experienced teammates.

Responsibilities

  • Support the development and implementation of credit strategies across underwriting, pricing, loan amounts, and verification using estimated default risk and borrower performance
  • Help design and evaluate A/B tests to understand risk-return tradeoffs using hypothesis-testing frameworks
  • Build automated dashboards to track KPIs across funnel conversion and strategy and portfolio performance, translating findings into clear recommendations for business stakeholders
  • Analyze loan performance data to identify areas of underperformance, conduct root-cause analysis, and support recommendations for risk mitigation
  • Partner with Technology teams to document requirements, validate implementation, and monitor strategy changes after launch
  • Use off-the-shelf and custom AI tools to support analysis, synthesize insights, and generate reports, identifying opportunities within your work to expand effective AI usage or improve existing tools
  • Hands-on experience using tools such as Tableau or Excel to build dashboards and communicate analytical findings

Requirements

  • 2+ years of experience in credit, analytics, risk management, data science, or a combination of these areas
  • Experience using SQL to work with data, along with familiarity with Python or R for analysis
  • Ability to explain findings, assumptions, and limitations clearly through written communication and presentations
  • You have familiarity with AI tools through personal or professional use and understand their strengths and limitations.

Compensation

  • The target base salary range for this position is 103,000-121,000.
  • The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location.
  • Base salary is just one part of Happen Bank's Total Rewards package.
  • You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).

Benefits

  • You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).
  • Bachelor's degree or higher, or equivalent combination of education and experience
  • Educational or professional background in a quantitative discipline such as Statistics, Mathematics, Engineering, or Economics
  • We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool.

Company info

  • Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community.
  • Base salary is just one part of Happen Bank's Total Rewards package.
  • We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process.
  • We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job

Equal opportunity

  • If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@happen.com.
  • equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace.

Visa & Work Authorization

  • You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews.
  • We will not discriminate against you if you choose to opt out.
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This listing is sourced directly from LendingClub's careers page and normalized into a canonical job model.