Head of Credit Strategy & Pricing — Home Improvement

LendingClub; San Francisco (CA); Hybrid; USD 175,000 - 205,000; Full time

Benefits offered by this job

Medical, dental and vision plans

401(k) match

Health and wellness programs

Flexible time off (salaried employees)

Up to 16 weeks paid parental leave

Job summary

Happen Bank is seeking an experienced leader to own credit risk management and pricing for its Home Improvement lending segment. You will shape policies, pricing models, and risk controls, partnering with Product, Engineering and Data Science to scale responsibly.

You will drive predictive modeling, experimentation, and explainable AI use, ensuring strong risk-adjusted returns while maintaining regulatory compliance and robust governance.

Qualifications

• 10+ years in financial services, credit risk management, pricing or lending strategy.
• Deep domain expertise in unsecured lending, preferably POS lending or credit cards.
• Proven track record in credit policy development, underwriting strategy, pricing optimization, risk segmentation, loss forecasting, and portfolio analytics.
• Able to translate credit and pricing strategy into business requirements, testing plans and production implementation.
• Strong communication and collaboration skills, able to translate complex topics for stakeholders.
• Detail-oriented with strategic mindset and focus on measurable business results.
• Advanced degree in Statistics, Finance, Economics or related field preferred.

Responsibilities

• Own credit risk management and pricing strategy for the Home Improvement lending segment.
• Develop and refine credit policies, underwriting criteria, exposure limits, segmentation and pricing models.
• Partner with cross-functional teams to shape annual operating and strategic plans.
• Drive loan issuance that delivers durable risk-adjusted returns for investors and held-for-investment assets.
• Lead development of predictive models, grading systems and experimentation to optimize risk-return.
• Use AI/ML tools to sharpen credit performance analysis and surface optimization opportunities.
• Implement credit strategy changes with rigorous testing and robust controls.
• Maintain credit policy documents and SOPs in line with bank and regulatory standards.
• Partner with Product, Business, Engineering and Data Science to drive innovation.
• Build monitoring systems and early warning mechanisms for risk management.
• Direct accurate credit risk reporting for committees and regulators.
• Coach and mentor junior team members to strengthen analytical rigor.

Skills

SQL

Python

Tableau

Credit risk analytics

ML for consumer credit

Education

Bachelor's degree or higher

Job description

Happen Bank is seeking an experienced leader to own credit risk management and pricing for its Home Improvement lending segment. You will shape policies, pricing models, and risk controls, partnering with Product, Engineering and Data Science to scale responsibly.

You will drive predictive modeling, experimentation, and explainable AI use, ensuring strong risk-adjusted returns while maintaining regulatory compliance and robust governance.