Sr Personal Loans Analyst

Tally; San Francisco (CA); Hybrid; USD 109,000 - 128,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Happen Bank in San Francisco is seeking a Sr Personal Loans Analyst to drive performance across Personal Loans programs, including TopUp, Refi, and Pre-Approved offers. You will partner with Product, Marketing, Risk, and Finance to translate data into decisions and to improve conversion and engagement.

You will build dashboards, support experiments, and apply AI tools to speed insights, while collaborating across teams with a bias toward action and accuracy.

Qualifications

• 2+ years in financial services, fintech, consulting, or a related analytical role; bachelor’s degree or equivalent
• Strong analytical skills with ability to turn data into insights
• Knowledge of AI tools and prudent judgment on their use
• Collaborates across teams and adapts approach based on feedback
• Clear, concise communication to present data driving decisions
• Curiosity about unsecured lending ecosystem
• Bias toward action with accuracy and follow-through

Responsibilities

• Support execution of initiatives across core Personal Loans programs (TopUp, Refi, Pre-Approved/Prescreen) and new growth efforts
• Develop and rollout offer features, pricing, fees, eligibility, and customer experience improvements
• Partner with Product, Marketing, Risk, and Finance to meet shared goals
• Analyze performance data to surface trends, flag issues, and identify opportunities
• Build and maintain dashboards/reports; use AI tools to speed up analysis when helpful
• Support test-and-learn experiments by designing analyses and interpreting results
• Identify opportunities to streamline recurring analyses and reporting workflows

Skills

Analytical thinking

Communication

Team collaboration

AI tools familiarity

Curiosity

Bias toward action

Problem solving

Education

Bachelor's degree

Tools

SQL

Python

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

The Sr Personal Loans Analyst plays a key role in driving performance across Happen Bank's Personal Loans business, supporting core offer programs like TopUp, Refinance, and Pre-Approved offers alongside emerging growth initiatives. This role partners closely with Product, Marketing, Risk, and Finance to turn data into action, helping the team move faster and smarter on what's working and what's not. You'll help shape how the business grows by translating performance insights into real decisions.

What You’ll Do

• Support execution of initiatives across core Personal Loans programs, including TopUp, Refi, and Pre-Approved/Prescreen, as well as new growth efforts
• Help develop and roll out new offer features and program enhancements, including pricing, fees, eligibility, and customer experience improvements
• Partner with Product, Marketing, Risk, and Finance to keep delivery on track against shared goals
• Analyze performance data to surface trends, flag issues, and identify opportunities to improve conversion, engagement, and program effectiveness
• Build and maintain dashboards and reports that make performance easy to monitor and act on, using AI tools where they help speed up analysis or surface insights faster
• Support test-and-learn experimentation by helping design analyses, track results, and translate findings into next steps
• Identify opportunities to streamline recurring analyses or reporting workflows, bringing new tools and approaches to the team where useful

About You

• 2+ years of experience in financial services, fintech, consulting, or a related analytical role; bachelor's degree in a related field; or equivalent work experience
• Strong analytical skills, with the ability to turn complex data into clear, actionable insights
• You've been using AI tools long enough to have real opinions about them, and you bring good judgment about what to trust, what to verify, and when they add value to your work
• You collaborate well across teams and adjust your approach based on feedback and context
• Clear, concise communicator who can present data and insights in a way that drives decisions
• Curious and motivated to learn the unsecured lending ecosystem
• Bias toward action, with a strong focus on accuracy and follow-through

Nice to Have

• Experience with SQL, Python, or similar tools
• Prior exposure to lending, credit, or offer/pricing strategy

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 109,000-128,000. 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.

#LI-Hybrid

#LI-AW1

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].

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