Credit Strategy & Pricing Analyst

Happen Bank, N.A.; San Francisco (CA); Híbrido; USD 84.000 - 98.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical, dental and vision plans for员工

401(k) match

Health and wellness programs

Flexible time off policies for salaréd

Up to 16 weeks paid parental leave and

Descripción de la vacante

Happen Bank in San Francisco seeks a analytics-oriented Credit Risk professional to help develop underwriting and pricing strategies, improve risk-adjusted revenue, and build dashboards to monitor performance. You will collaborate with senior leadership and technology teams to implement data-driven risk solutions and leverage AI tools for analysis.

The role emphasizes hands-on analytics with SQL/SAS and R/Python, plus BI skills. Hybrid in-office schedule with relocation options offered.

Formación

• 0–1 years of analytics experience with quantitative background
• Strong technical skills in SQL/SAS and R/Python
• Experience with BI/data visualization tools (Tableau or Excel) and clear written/verbal communication

Responsabilidades

• Assist in developing, implementing, and managing credit risk strategies that involve underwriting, pricing, loan amount assignment, and verification based on probability of default estimates.
• Help design A/B tests to understand risk-return tradeoffs using hypothesis testing frameworks
• Build automated dashboards to track KPIs around funnel conversion and 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 recommend risk mitigation
• Support evaluation of credit expansion opportunities to optimize risk-adjusted revenue
• Expand data used in credit decisioning by evaluating non-traditional data sources and re-engineering existing data elements
• Work with technology teams to ensure new strategies are implemented accurately and as designed
• Leverage off-the-shelf and custom AI tools to conduct analyses, share insights and generate reports

Conocimientos

Analytical skills

Communication

Problem solving

Educación

Bachelor's or Master's in Statistics/Math/Engineering/Economics

Herramientas

SQL/SAS

R/Python

Tableau/Excel

Descripción del empleo

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

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).

Benefits

• 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

Company Culture

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.

Equal Opportunity

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

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process. You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out. During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment-related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment. We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information, please refer to our Privacy Disclosure. We will delete any recording of you promptly but in no event later than 30 days after making a hiring decision.

Additional Information

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