Senior Credit Strategy & Analytics Specialist

Happen Bank; San Francisco (CA); Hybrid; USD 103,000 - 121,000; Full time

Benefits offered by this job

Medical, dental and vision plans

401(k) match

Health and wellness programs

Flexible time off

Parental leave up to 16 weeks

Job summary

Happen Bank is seeking a Credit Risk Analytics professional in San Francisco to develop underwriting and pricing strategies for personal loans. You will analyze risk, monitor performance, and support strategic decisions with data-driven insights.

Ideal candidates have 2+ years in credit analytics, strong SQL skills, and experience with Python or R and data visualization tools. This hybrid role requires in-person collaboration in San Francisco and offers a competitive compensation package.

Qualifications

• Bachelor's degree or higher, or equivalent experience.
• Background in statistics, mathematics, engineering, or economics.
• Proficient in SQL; Python or R for analysis.
• Experience building dashboards with Tableau or Excel.

Responsibilities

• Support development and implementation of credit strategies across underwriting and pricing.
• Design and evaluate A/B tests for risk-return tradeoffs.
• Build automated dashboards tracking KPIs for funnel and portfolio performance.
• Analyze loan performance to identify underperformance and suggest mitigations.
• Estimate impact of credit expansion on volume, losses, and revenue.
• Evaluate data sources to improve credit decisioning.
• Collaborate with Technology to document requirements and monitor changes.
• Leverage AI tools to support analysis and reporting.

Skills

SQL

Statistical analysis

Hypothesis testing

Data visualization

Communication

Education

Bachelor's degree or higher

Tools

Python

R

Tableau

Excel

Job description

Happen Bank is seeking a Credit Risk Analytics professional in San Francisco to develop underwriting and pricing strategies for personal loans. You will analyze risk, monitor performance, and support strategic decisions with data-driven insights.

Ideal candidates have 2+ years in credit analytics, strong SQL skills, and experience with Python or R and data visualization tools. This hybrid role requires in-person collaboration in San Francisco and offers a competitive compensation package.