Director, Lending Decision Systems

Tally; San Francisco (CA); Hybrid; USD 220,000 - 255,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

401(k) match

Flexible time off

Parental leave

Job summary

LendingClub in San Francisco is seeking a senior leader to head Risk Infrastructure, driving enterprise-wide transformation and alignment with risk and regulatory goals. You will partner with senior leaders across Credit Risk, Modeling, Engineering, Product, Data, and Marketing to enable scalable decisioning platforms and trusted governance.

The role requires 12+ years in leadership with strong API and cloud experience, and a track record of delivering complex tech programs in fintech.

Qualifications

• 12+ years of leadership experience building and developing high-performing teams.
• 8+ years in people management.
• 10+ years in decisioning and rules engines with relevant platforms.
• Experience designing scalable APIs and cloud-native architectures.
• Strong cross-functional collaboration and strategic influence.
• Bachelor’s degree or equivalent in computer science, IT, business, or related field.

Responsibilities

• Provide Leadership for the Risk Infrastructure function and enterprise-wide transformation.
• Partner with senior leaders across Credit Risk, Modeling, Engineering, Product, Data, Marketing, and Business.
• Enable decisioning platforms with reliable, high-performing systems and governance.
• Drive BAU policy and model execution with clear delivery timelines.
• Define technology vision and architecture for decisioning platforms with Engineering.
• Promote responsible AI use and best practices in risk infrastructure.
• Provide executive reporting on transformation progress, risks and dependencies.
• Oversee offshore and vendor partnerships and workforce planning.

Skills

Leadership experience

Stakeholder management

Strategic thinking

Communication skills

Regulatory and risk awareness

Education

Bachelor’s degree or equivalent in a related field

Tools

GDS Link

Provenir

Drools

Alloy

Blaze

Oscilar

Job description

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

What You'll Do

• Provide Leadership for the Risk Infrastructure function, setting strategic direction and driving enterprise-wide transformation initiatives aligned with LendingClub’s business, risk, and regulatory objectives
• Partner with senior leaders across Credit Risk, Modeling, Engineering, Product, Data, Marketing, and Business to ensure risk decisioning capabilities enable scalable growth, portfolio performance, and disciplined risk management
• Enable Credit Risk and Business leaders with reliable, transparent, and high-performing decision systems that improve portfolio outcomes, speed to market, and risk-adjusted returns
• Drive consistent, high-quality execution of BAU policies and models across portfolios with strong governance, prioritization, reduced operational risk, and predictable delivery timelines
• Establish deep organizational expertise in LendingClub’s products, platforms, technologies, and operating model to influence strategy, optimize decisioning outcomes, and accelerate innovation
• Serve as a trusted advisor to Credit Risk and Business leaders by translating strategic priorities into a clear demand management framework and an effective operating model for Risk Infrastructure
• Define and champion the technology vision and future-state architecture for decisioning platforms in partnership with Engineering leadership, ensuring scalability, resilience, and long-term sustainability
• Promote responsible AI use and best practices across the team. Harness AI to design Next-Gen lending platforms, enhance existing processes, boost productivity, and drive transformation in the decisioning domain
• Provide executive-level reporting and insights to senior leadership and governance forums, including transformation progress, key risks and dependencies, and strategic recommendations
• Build and lead high-performing team by developing leadership talent, setting clear accountability, and fostering a culture of excellence, ownership, and continuous improvement
• Oversee offshore and vendor partnerships, talent strategy, and workforce planning to maximize operational efficiency and delivery effectiveness
• Optimize operating costs through effective offshore and vendor management while maintaining service quality, delivery velocity, and risk controls
• Own internal and external regulatory audit engagement for Risk Infrastructure, ensuring strong controls, timely remediation of findings, and proactive regulatory readiness

About You

• 12+ years of progressive leadership experience building and developing high-performing teams and delivering complex technology programs within fast-paced fintech or financial services environment; including 8+ years in people management
• 10+ years of deep expertise in decisioning and rules engine, including platforms such as GDS Link, Provenir, Drools, Alloy, Blaze, Oscilar, or equivalent technologies
• Strong hands-on technical foundation with experience designing and scaling APIs, microservices, cloud-native architectures, and defining enterprise technology strategy
• Proven cross-functional leadership with the ability to align diverse stakeholders and drive tangible outcomes
• Exceptional communication, influence, and negotiation skills, with a demonstrated ability to operate effectively at all organizational levels, including senior leadership
• Demonstrated success operating in ambiguous, rapidly evolving environments, solving complex technical challenges while delivering outcomes aligned to business objectives
• Executive presence and strategic mindset, balancing long-term vision with disciplined execution, operational rigor, and efficiency
• Bachelor’s degree in computer science, Information Technology, Business Administration, or a related field; or equivalent work experience

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. LendingClub offers relocation, based on actual job level.

Time Zone Requirements
Primarily PT

While the position will primarily work local hours, LendingClub is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements
As needed travel to LendingClub offices and/or other locations, as needed.

Compensation
The target base salary range for this position is 220,000-255,000. 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 LendingClub’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.

LendingClub 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].