Sr Credit Strategy Manager - Auto

LendingClub (soon to be Happen Bank) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. 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. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

• Develop, gain approval, and implement credit risk strategies that involve elements of credit underwriting, pricing, loan amount assignment and verification based on an estimation of probability of default
• Design A/B tests to help understand risk return tradeoffs using hypothesis testing frameworks
• Craft automated dashboards to track KPIs around funnel conversion and strategy/portfolio performance; summarize and present findings to senior management
• Use analytical techniques to mine loan performance data, identify pockets of underperformance and conduct root cause analysis to help recommend risk mitigation strategies
• Measure credit expansion opportunities to optimize risk-adjusted revenue
• Expand existing set of data used in credit decisioning process by evaluating information, value of non-traditional data sources and by re-engineering use of existing data elements
• Manage and measure data quality, coverage, and freshness.
• Taking ownership in developing, executing and driving solutions independently for partnership channels
• Work closely with technology and engineering teams to ensure new strategies are implemented accurately and as designed
• Develop and provide regular reporting on project status and ensure timely communication at senior level meetings
• Partner with cross-functional team to ensure the effective execution of new partnerships managing all stages including partner onboarding, launch, performance monitoring and ongoing tracking of credit performance and optimization
• Use AI to improve efficiency and drive insights in both the team's output as well as your individual work. Partner with other teams/cross-functional areas across larger projects, including AI-driven initiatives

• 6+ years of experience in some combination of credit, analytics, risk management, and data science
• Bachelor's degree or higher in a quantitative field (e.g. Statistics, Math, Engineering, Economics); or equivalent work experience
• Must be self-directed, able to work independently, as well as work in a team-oriented and fast paced environment
• Strong technical skills such as SQL, SAS, Python, Tableau, with familiarity with big data and cloud environments
• Strong MS-Office skills (Excel, PowerPoint)
• Excellent written and verbal communication skills including ability to communicate project scope in documentation and presentation format
• Previous experience in the financial or fintech industry, preferably in auto lending is a plus
• You use AI to improve output quality and help others apply it, with strong judgment on limitations and human oversight.

Work Location
San Francisco
The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. LendingClub offers relocation, based on actual job level.
Time Zone Requirements
Primarily PT
While the position will primarily work local hours, LendingClub is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
Travel Requirements
As needed travel to LendingClub offices and/or other locations, as needed.
Compensation
The target base salary range for this position is 147,000-170,000. 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 LendingClub’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).
We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.
#LI-Hybrid
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LendingClub is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system. 

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at [email protected].