Digital Lending Product Strategist

LendingClub; San Francisco (CA); Hybrid; USD 135,000 - 159,000; Full time

Benefits offered by this job

Medical, dental, and vision coverage

401(k) match

Health and wellness programs

Flexible time off

Paid parental leave (up to 16 weeks)

Job summary

Happen Bank (formerly LendingClub) is seeking a Financial Innovation Manager for Consumer Lending to shape next-generation lending products. You will design, test, and refine digitally originated loans from concept to market, with a focus on small-dollar segments and rapid deployment.

You will lead cross-functional work with Credit, Risk, Legal, Compliance, and Engineering to optimize approval, funding speed, and portfolio performance, while ensuring fair lending and data privacy are central to

Qualifications

• 3+ years in consumer or small business lending, fintech, or financial services product and strategy.
• Experience bringing digital lending products to market online.
• Hands-on cash-flow underwriting from bank data; strong credit risk basics.
• Knowledge of fair lending, TILA, ECOA, and data privacy rules.

Responsibilities

• Drive lending products through the product development lifecycle.
• Design a fast digital origination experience from application to funding.
• Partner with Credit and Risk to integrate data signals for decisioning.
• Define metrics and use experiments to scale.
• Coordinate with cross-functional teams across Product, Engineering, Legal, Compliance, Operations, Finance.

Skills

Consumer lending

Cash-flow underwriting

SQL

Excel

Credit risk fundamentals

AI/ML awareness

Education

Bachelor's degree

Tools

LOS systems

Fraud platforms

Credit decisioning platforms

Job description

Happen Bank (formerly LendingClub) is seeking a Financial Innovation Manager for Consumer Lending to shape next-generation lending products. You will design, test, and refine digitally originated loans from concept to market, with a focus on small-dollar segments and rapid deployment.

You will lead cross-functional work with Credit, Risk, Legal, Compliance, and Engineering to optimize approval, funding speed, and portfolio performance, while ensuring fair lending and data privacy are central to