LendingClub

LendingClub

Credit Strategy Director, Home Improvement

San Francisco, CA · Director

Sponsorship not specified$175k-$205kDetected 30 days ago
PythonSQLMachine LearningData ScienceData VisualizationStatisticsA/B TestingForecastingHRISCollaborationMentoringUnderwriting

Stay score

odds of building a lasting career here

56Sponsors, lottery-bound
Cap-exempt (no lottery)0
Sponsors this role72
Entry-level history0
PERM / green-card track0
Lottery odds (Level IV)94
Fits your clock70

Sponsors, but it's cap-subject — you still face the weighted lottery (~61% per draw at Level IV). Good if you win; have a cap-exempt backup on your list.

Lottery odds assume a STEM candidate.

Personalize to your clock →

Community outcomes

No reports yet — be the first to help the next applicant.

About the role

  • The work spans policy, analytics, and cross-functional partnership, with direct influence on how the business scales responsibly.

Responsibilities

  • Own credit risk management and pricing strategy for the Home Improvement lending segment
  • Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models, including vintage loss forecasting and valuations
  • Drive loan issuance that delivers durable risk-adjusted returns for marketplace investors and held-for-investment assets, in line with business plan and risk appetite
  • Lead development of predictive models, grading systems, and experimentation to compete along an optimal risk-return frontier
  • Implement credit strategy changes with rigorous testing and strong preventive and detective controls
  • Maintain credit policy documentation and standard operating procedures in line with bank and regulatory standards
  • Partner with Product, Business, Engineering, and Data Science to drive innovation and new product development
  • Build monitoring systems and early warning mechanisms to manage credit and operational risk
  • You understand how AI and ML models interact with credit risk decision-making, including their limitations and regulatory implications, and know when a model should inform a decision versus drive it
  • You set a high bar for responsible AI use in high-stakes work, with attention to data integrity, model limitations, and compliance, and you're building new workflows rather than just using existing ones

Requirements

  • 10+ years of experience in financial services, credit risk management, pricing, portfolio analytics, or lending strategy
  • Deep domain expertise in unsecured lending, preferably point of sale lending or credit cards, with strong understanding of commercial value drivers
  • Proven track record in credit policy development, underwriting strategy, pricing optimization, risk segmentation, loss forecasting, and portfolio analytics

Nice to have

  • Advanced degree in Statistics, Finance, Economics, or a related quantitative field
  • Happen Bank offers relocation, based on actual job level.
  • Time Zone Requirements
  • Local hours (PT, MT, CT, ET)

Compensation

  • The target base salary range for this position is 175,000-205,000.
  • 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).
  • Partner with cross-functional teams to shape annual operating and strategic plans

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).
  • 10+ years of experience in financial services, credit risk management, pricing, portfolio analytics, or lending strategy; bachelor's degree or higher, or equivalent combination of education and experience
  • 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.
Apply directly at LendingClub →Create a free account for alerts like thisView LendingClub immigration profile

This listing is sourced directly from LendingClub's careers page and normalized into a canonical job model.