Credit Strategy Manager, Home Improvement

About this role

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

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.

## About the Role

As a key member of the Credit Risk Management team, you will develop and manage credit risk strategies for LendingClub’s Point of Sale lending products. In this role, you will design underwriting and pricing strategies, monitor portfolio performance, and identify opportunities to improve risk-adjusted returns while maintaining appropriate loss levels.

You will apply analytical techniques and experimentation frameworks to evaluate strategy performance, optimize risk decisions, and improve the financial performance of LendingClub’s Point of Sale lending business.

## What You'll Do

• Develop and manage credit risk strategies including underwriting, pricing, loan amount assignment, and verification policies based on probability of default models
• Design and run A/B tests to evaluate risk and return tradeoffs using hypothesis testing frameworks
• Build automated dashboards and reporting to track KPIs related to funnel conversion, portfolio performance, and strategy outcomes
• Analyze loan performance data to identify underperformance trends and conduct root cause analysis to recommend risk mitigation strategies
• Evaluate credit expansion opportunities to optimize risk-adjusted revenue
• Expand the data used in credit decisioning by assessing new data sources and improving the use of...