Home Improvement Credit Strategy Lead

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

Job summary

Happen Bank is seeking a senior leader to own credit strategy and pricing for the Home Improvement lending segment, a key unsecured POS business within Consumer Banking. You will shape underwriting, pricing, and risk management, balancing growth with disciplined, risk-adjusted returns across policy, analytics, and cross-functional partnerships.

You will lead development of predictive models, employ AI-driven analysis, and collaborate with Product, Engineering, and Data Science to drive

Qualifications

• 10+ years in financial services, credit risk, pricing, or lending strategy.
• Deep unsecured lending experience, preferably POS or credit cards.
• Proven track record in policy development, underwriting strategy, pricing optimization, risk segmentation, loss forecasting, and portfolio analytics.
• Proficient in SQL, Python, and Tableau; able to translate strategy into requirements.

Responsibilities

• Own credit risk management and pricing strategy for Home Improvement lending.
• 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 compete along a risk-return frontier.
• Use AI-driven tools to sharpen credit performance analysis while ensuring responsible use.
• Implement credit strategy changes with rigorous testing and controls.
• Maintain credit policy documentation and SOPs in line with standards.
• Partner with Product, Business, Engineering, and Data Science for innovation and new product development.
• Build monitoring systems and early warning mechanisms to manage risk.
• Direct accurate credit risk reporting for Credit Committee, Board, and regulatory needs.
• Coach and mentor junior team members.

Skills

SQL

Python

Tableau

Credit risk management

Pricing optimization

Education

Bachelor's degree or higher

Job description

Happen Bank is seeking a senior leader to own credit strategy and pricing for the Home Improvement lending segment, a key unsecured POS business within Consumer Banking. You will shape underwriting, pricing, and risk management, balancing growth with disciplined, risk-adjusted returns across policy, analytics, and cross-functional partnerships.

You will lead development of predictive models, employ AI-driven analysis, and collaborate with Product, Engineering, and Data Science to drive