Sr Credit Strategy Analyst

Lending Club•San Francisco, CA

37d•Hybrid

About The Position

As a key member of the credit risk management team, you will be responsible for managing and crafting risk strategies along with developing and tracking appropriate metrics. You will develop and implement the underwriting and pricing strategy for LendingClub's personal loan product. You will find opportunities to improve yield for the investors while maintaining reasonable loss rate as well as improve financial performance of LendingClub.

Requirements

2-3 years of experience in some combination of credit, analytics, risk management, and data science
Bachelor degree or higher in a quantitative background (e.g. Statistics, Math, Engineering, Economics); or equivalent work experience
You have technical skills using as SQL/SAS, R/Python
Hands on experience with BI/data visualization tools (like Tableau or Excel to create dashboards)
Excellent written and verbal communication skills

Responsibilities

Develop, implement and handle credit risk strategies that involve elements of credit underwriting, pricing, loan amount assignment and verification based on an estimation of probability of default
Design A/B tests to help understand risk return tradeoffs using hypothesis testing frameworks
Craft automated dashboards to track KPIs around funnel conversion and strategy/portfolio performance; summarize and present findings to senior management
Use analytical techniques to mine loan performance data and identify pockets of underperformance and conduct root cause analysis to help recommend risk mitigation strategies
Measure credit expansion opportunities to optimize risk-adjusted revenue
Expand existing set of data used in credit decisioning process by evaluating information; value of non-traditional data sources and by re-engineering use of existing data elements
Work closely with technology teams to ensure new strategies are implemented accurately and as designed