VP, Collections Strategy

Current Employees of LendingClub: Please apply via your internal Workday Account

LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank National Association Member FDIC. We are the leading digital marketplace bank in the U.S. having helped our nearly 5 million members secure over $90 billion in loans to refinance high-cost debt and achieve their financial goals. Members today have mobile-first access to a growing range of products and services designed to work seamlessly together to deliver value in new ways. Everyone deserves a better financial future and our team is committed to making that a reality. Join the Club!

About the Role

What Youll Do

Enterprise Collections Strategy Leadership

• Own the end-to-end strategy for optimizing collections performance across delinquency stages channels and workflows
• Leverage advanced analytics machine learning and AI-driven decisioning to improve contact effectiveness recovery performance operational efficiency and customer experience
• Partner with Operations Product Data Science and Compliance to ensure strategies are scalable compliant and aligned with enterprise objectives

Delinquent Account Routing

• Develop deploy and continuously refine routing strategies for delinquent accounts optimizing dialer assignment messaging cadence segmentation and workflow prioritization
• Collaborate with modeling and data science teams to integrate ML-based scorecards predictive models and AI-generated risk signals into routing logic
• Implement robust performance tracking exception reporting and real-time monitoring to ensure strategies operate as intended and deliver measurable lift
• Oversee adherence to model governance standards ensuring all models and analytical tools meet regulatory and internal risk requirements

Omnichannel & Alternative Contact Strategies

• Design and execute a multi-channel contact strategy encompassing SMS letters email chat digital self-service and intelligent virtual agents
• Use AI-based personalization and optimization techniques to tailor outreach cadence channel selection and messaging content
• Build rigorous test-and-learn frameworks (A/B and multivariate) to assess incremental impact and operational implications
• Partner with Operations and IT to assess feasibility scalability and capacity implications of new strategies

Pre-Charge-Off Agency Strategy

• Develop a strategic sourcing and placement model for pre-charge-off accounts emphasizing economic efficiency and performance transparency
• Drive agency selection segmentation logic and score-driven placement strategies using predictive analytics
• Establish a controlled test -house structure to evaluate agency performance and optimize allocation
• Oversee operational processes governing placement eligibility timing and quality controls

Recovery Strategy

• Define and manage a comprehensive post-charge-off recovery strategy integrating internal recovery efforts external agencies litigation partners and debt-sale evaluation
• Build and maintain rigorous test-and-control programs to benchmark agency and internal team performance
• Work with Operations and Compliance to implement enhanced oversight and documentation aligned with regulatory expectations (e.g. CFPB requirements)
• Develop MI dashboards and vintage-level analytics to improve forecasting reserving and financial planning accuracy
• Evaluate alternative recovery approaches (e.g. debt sale warehousing AI-assisted propensity models) to maximize net recoveries

Collections Programs & Product Strategy

• Ensure compliance and performance of key collections programs such as re-aging settlement hardship and payment plans and debt management programs
• Build and maintain comprehensive MI to monitor volumes economic impact operational performance and customer outcomes
• Implement robust exception reporting to detect deviations from program standards and collaborate with Operations to remediate issues promptly

About You

• 15 years of experience in credit risk collections strategy or analytics within financial services
• At least 5 years of leadership experience managing high-performing teams in collections strategy A/R management or similar analytics functions
• Deep expertise in leveraging quantitative methodsincluding ML/AI techniquesto solve multi-dimensional business problems
• Proven ability to influence cross-functionally and lead strategic change across Operations Technology and Risk teams
• Exceptional communication skills with the ability to translate complex analytical concepts into clear actionable recommendations for senior leadership
• Strong understanding of regulatory expectations related to collections recoveries model governance and customer-centric servicing
• Bachelors degree or higher in a related field; or equivalent work experience

Work Location
San Francisco or Lehi

The above locations are eligible offices for this locations have been determined to foster in-person collaboration with this roles team or the related business lines. We utilize a hybrid work model and our teams are in-office Tuesdays Wednesdays and -person attendance is essential for this roles success and remote placement will not be offers relocation based on actual job level.

Time Zone Requirements
Local hours (PT MT)

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 00. 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 LendingClubs 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).

Were 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.

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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