Remote Credit Strategy Director, Unsecured Lending

Tally; 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

Up to 16 weeks parental leave

Relocation assistance

Job summary

Happen Bank in the United States is seeking a senior leader to own credit strategy and pricing for the Home Improvement lending segment, shaping underwriting, pricing models, exposure limits, and risk controls to deliver durable, risk-adjusted returns.

You will partner with Product, Engineering, and Data Science to drive innovation, build predictive models, run experiments, and ensure responsible AI use, with a hybrid work model and relocation support.

Qualifications

• 10+ years of experience in financial services or lending strategy.
• Strong domain expertise in unsecured lending or POS/credit cards."
• Proven track record in credit policy development and pricing optimization.

Responsibilities

• Own credit risk management and pricing strategy for Home Improvement lending.
• Develop and refine credit policies, underwriting criteria, exposure limits, and pricing models.

Skills

SQL

Python

Tableau

Education

Bachelor's degree or higher

Advanced degree in Statistics/Finance/Economics

Job description

Happen Bank in the United States is seeking a senior leader to own credit strategy and pricing for the Home Improvement lending segment, shaping underwriting, pricing models, exposure limits, and risk controls to deliver durable, risk-adjusted returns.

You will partner with Product, Engineering, and Data Science to drive innovation, build predictive models, run experiments, and ensure responsible AI use, with a hybrid work model and relocation support.