Credit Strategy Director, Home Improvement

Happen Bank(formerly LendingClub)is built around a simple purpose: to clear the way to help people turn intention into action and action intofinancial 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.

• 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
• Partner with cross-functional teams to shape annual operating and strategic plans
• 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
• Use AI-driven tools and techniques to sharpen credit performance analysis surface optimization opportunities and streamline workflows while setting a high bar for responsible explainable use
• 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
• Direct accurate timely credit risk reporting for Credit Committee Board and regulatory needs
• Coach and mentor junior team members strengthening analytical rigor and execution across the team

• 10 years of experience in financial services credit risk management pricing portfolio analytics or lending strategy; bachelors degree or higher or equivalent combination of education and experience
• 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
• Skilled in translating credit and pricing strategy into business requirements testing plans controls and production implementation
• Proficient in SQL Python and Tableau with strong familiarity with advanced analytics and credit/ML models for consumer credit products
• 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 youre building new workflows rather than just using existing ones
• Strong communicator and collaborator who can translate complex credit and analytical topics for a range of stakeholders
• Detail-oriented with sound judgment a strategic mindset and a consistent focus on measurable business results

Nice to Have

• Advanced degree in Statistics Finance Economics or a related quantitative field
• Experience mentoring or developing analytical talent in a credit or risk function

Work Location
San Francisco Lehi New York Boston Remote

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 Bank offers relocation based on actual job level.

Time Zone Requirements
Local hours (PT MT CT ET)

While the position will primarily work local hours Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements
As needed travel to Happen Bank 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 Happen Banks 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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Happen Bank 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.

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