Director, Credit Strategy & Pricing, Purchase Finance

Lending Club-posted 3 months ago

$210,000 - $245,000/Yr

Full-time • Senior

Hybrid • San Francisco, CA

1,001-5,000 employees

Credit Intermediation and Related Activities

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We are looking for a Director, Credit Strategy and Pricing, Purchase Finance to lead, develop and implement the underwriting and pricing strategy for key unsecured Point of Sale lending (POS Lending) segment within the Consumer Banking business at Lending Club.

Lead credit risk management & pricing strategy for a key unsecured lending personal loan segment within the Consumer Banking business at Lending Club
Develop and optimize credit policies, underwriting criteria, exposure management and pricing strategy in addition to segmentation, vintage loss forecasting and vintage valuations
Collaborate with cross-functional partners in the development of, and delivery against annual operating and strategic plans
Generate loan issuance that delivers durable risk-adjusted returns for both marketplace investors and LC Bank held-for-investment assets
Deliver loan issuance volume consistent with the business plan and credit profile within risk appetite
Lead the ideation and development of leading-edge predictive models, grading systems, segmentation, predictive analytic methodologies and experimentation
Have a passion for finding data-driven insights to identify optimization and continuous learning opportunities within credit performance and pricing
Ensure agile implementation of credit strategy changes with rigorous production testing and robust preventive & detective controls
Formulate and actively maintain credit policy practices and standard operating procedure manuals
Provide thought leadership and partner with cross-functional groups (Product, Business, Engineering and Data Science) to drive white space innovation & new product development initiatives
Manage the development of monitoring systems and robust early warning and performance monitoring mechanisms
Direct timely and accurate completion of all Credit Committee, Board and regulatory reporting from a credit risk perspective
Manage a high-performing team of managers and analysts in fostering a dynamic, inclusive, learning culture

10+ years' experience in financial services, credit risk management, predictive analytics or strategy consulting
2+ years of experience leading and mentoring teams
Bachelor's degree in Statistics, Finance, Economics or a related quantitative discipline; advanced degree preferred; or equivalent work experience
Proficiency in SQL, Python, and Tableau, along with strong familiarity with Advanced Analytics techniques and Credit/ML Models with focus on consumer credit products
Deep domain knowledge in unsecured lending (preferably point of sale lending) or credit cards
Demonstrated experience across origination channels with expertise in policy development, pricing optimization and portfolio analytics
Effective collaborator, negotiator and team player with a versatile interpersonal style
Keen attention to detail, results-orientation and strategic mindset

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
Long-term awards (equity) and an annual bonus based on company performance, employee performance and eligible earnings

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