Credit Strategy & Pricing Analyst

Happen Bank; San Francisco (CA); Hybrid; USD 84,000 - 98,000; Full time

Benefits offered by this job

Medical, dental, and vision plans

401(k) match

Parental leave

Job summary

Happen Bank, a fintech lender, seeks a Credit Risk analyst to help shape underwriting and pricing strategies for lending products. The role emphasizes creating data-driven insights to improve yield while controlling losses.

You will build dashboards, run analyses, and collaborate with tech teams to implement risk strategies. The position is hybrid in San Francisco with in-office days and relocation support based on level.

Qualifications

• Bachelor's or Master’s degree in a quantitative field (Statistics, Math, Engineering, Economics) or equivalent.
• 0–1 year of analytics experience.
• Strong SQL/SAS and R/Python skills.

Responsibilities

• Assist in developing, implementing, and managing credit risk strategies (underwriting, pricing, loan size, verification).
• Design A/B tests to understand risk-return tradeoffs.
• Build dashboards to track KPIs and present findings to senior management.
• Mine loan performance data to identify underperformance and recommend risk mitigations.
• Evaluate credit expansion opportunities to optimize risk-adjusted revenue.
• Explore non-traditional data sources to improve credit decisions.
• Collaborate with technology teams to implement strategies as designed.
• Utilize AI tools to aid analyses and reporting.

Skills

SQL

SAS

Python

R

Communication

Education

Quantitative degree

Tools

Tableau

Excel

Job description

Happen Bank (formerly LendingClub) 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 member of the Credit Risk team, you will help develop, implement, and track the underwriting and pricing strategy for our lending products. You'll work alongside senior team members and stakeholders to find opportunities to improve yield for investors while maintaining reasonable loss rates, and to improve the overall financial performance of the business. This role is a strong opportunity to build deep credit and pricing analytics skills while contributing directly to strategies that go into production.

What You'll Do

• Assist in developing, implementing, and managing credit risk strategies that involve elements of credit underwriting, pricing, loan amount assignment, and verification based on an estimation of probability of default
• Help design A/B tests to understand risk-return tradeoffs using hypothesis testing frameworks
• Build 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
• Support the evaluation of credit expansion opportunities to optimize risk-adjusted revenue
• Help expand the set of data used in the credit decisioning process by evaluating the value of non-traditional data sources and re-engineering the use of existing data elements
• Work closely with technology teams to ensure new strategies are implemented accurately and as designed
• Leverage both off-the-shelf and custom AI tools to assist with conducting analyses, sharing insights and generating reports

About You

• 0-1 years of experience in analytics; Bachelor's or Master's degree with a quantitative background (e.g., Statistics, Math, Engineering, Economics), or equivalent work experience
• Strong technical skills such as SQL/SAS and R/Python
• Hands-on experience with BI/data visualization tools (like Tableau or Excel) to create dashboards
• Excellent written and verbal communication skills
• Prior experience in analytics, credit, or risk management is a plus
• Previous experience in the financial services/FinTech industry a plus
• AI tools are part of how you navigate the world — you use them to research, write, problem-solve, and learn faster. You're ready to bring that to your work.

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. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements

Local hours (PT)

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 84,000-98,000. 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).

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.

Equal Opportunity & Diversity Statement

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.

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 [e-mail].

Notice on AI Tool Use

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