Credit Strategy & Pricing Analyst — Hybrid (SF)

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

Benefits offered by this job

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

Job summary

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.

Qualifications

• 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

Responsibilities

• 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

Skills

Analytical skills

Communication

Problem solving

Education

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

Tools

SQL/SAS

R/Python

Tableau/Excel

Job description

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.