Sr Credit Strategy Analyst

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 (formerly LendingClub) 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

As a key member of Happen Bank's Credit Risk Management team, you'll help develop, implement, and monitor underwriting and pricing strategies for our Personal Loans product. Your analysis will help improve risk-adjusted returns, manage credit losses, and identify responsible growth opportunities. You'll deliver defined analyses and support strategy changes with guidance from experienced teammates.

What You'll Do

• Support the development and implementation of credit strategies across underwriting, pricing, loan amounts, and verification using estimated default risk and borrower performance
• Help design and evaluate A/B tests to understand risk-return tradeoffs using hypothesis-testing frameworks
• Build automated dashboards to track KPIs across funnel conversion and strategy and portfolio performance, translating findings into clear recommendations for business stakeholders
• Analyze loan performance data to identify areas of underperformance, conduct root‑cause analysis, and support recommendations for risk mitigation
• Assess credit expansion opportunities by estimating their potential impact on loan volume, credit losses, and risk‑adjusted revenue
• Evaluate traditional and non‑traditional data sources to identify opportunities to strengthen credit decisioning and improve how existing data elements are used
• Partner with Technology teams to document requirements, validate implementation, and monitor strategy changes after launch
• Use off‑the‑shelf and custom AI tools to support analysis, synthesize insights, and generate reports, identifying opportunities within your work to expand effective AI usage or improve existing tools

About You

• 2+ years of experience in credit, analytics, risk management, data science, or a combination of these areas
• Bachelor's degree or higher, or equivalent combination of education and experience
• Educational or professional background in a quantitative discipline such as Statistics, Mathematics, Engineering, or Economics
• Experience using SQL to work with data, along with familiarity with Python or R for analysis
• Hands‑on experience using tools such as Tableau or Excel to build dashboards and communicate analytical findings
• Understanding of statistical analysis and hypothesis testing, with an interest in applying these methods to credit risk and pricing decisions
• Ability to explain findings, assumptions, and limitations clearly through written communication and presentations
• You take accountability for the accuracy and timely delivery of your work and exercise good judgment about when to ask questions, raise issues, and seek guidance
• You bring curiosity to solving business problems, are open to feedback, and collaborate effectively while continuing to build your expertise
• You have familiarity with AI tools through personal or professional use and understand their strengths and limitations. You're ready to apply them at work while validating outputs, protecting sensitive data, and recognizing when human review is needed

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. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements

Local hours (PT)

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

Travel Requirements

As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation

The target base salary range for this position is 103,000-121,000. 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 Happen Bank'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

Happen Bank 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].

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.

You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out.

During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment‑related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment.

We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information, please refer to our Privacy Disclosure.

We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.