Sr Credit Strategy Analyst

LendingClub•San Francisco, CA

1d•$103,000 - $121,000•Hybrid

About The Position

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.

Requirements

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

Responsibilities

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