Sr Director, Consumer Credit Risk & Investor Analytics

LendingClub • San Francisco, CA

1d • $211,000 - $245,000 • Hybrid

About The Position

LendingClub is looking for a Sr Director, Consumer Credit Risk & Investor Analytics to lead credit risk management oversight across our consumer lending portfolios. In this role, you will also provide independent review and credible challenge of the capital stress testing and credit loss allowance processes. You will bring deep expertise in consumer credit, strong analytical acumen, and a collaborative leadership style to help ensure safe, sound, and scalable lending practices.

Requirements

• 10+ years of progressive management experience in financial services and credit risk management, with an emphasis on unsecured consumer lending
• You are a functional consumer credit practitioner with strong analytical skills, seasoned credit judgment, keen understanding of value drivers and domain knowledge in consumer credit risk management
• Rigorous analyst, adept synthesizer, and articulate written & verbal communicator
• Effective collaborator, negotiator, and team player, with a versatile interpersonal and influencing style
• Operator with keen attention to detail, results-orientation and strategic mindset with creative problem-solving skills
• High level of proficiency with SQL, Python & Tableau. Familiar with allowance for credit loss and capital stress testing processes
• Bachelor's degree or higher in a quantitative discipline (engineering, finance, economics); or equivalent work experience

Responsibilities

• Lead a team of analytics professionals to stay abreast of asset performance and credit practices, both within the Bank and across the fintech peer group
• Generate performance insight into each institutional investor’s credit portfolio including credit profile, credit performance, asset yield and servicing metrics.
• Lead periodic reviews and discussions with institutional investors
• Stay informed on all credit extension, pricing and collections strategy proposals within LendingClub’s consumer bank. Ensure safe & sound lending in the personal loan business segment
• Lead the development of preventive & detective control systems and robust early warning and performance monitoring mechanisms. Ensure monitoring is in place for each individual investor’s credit portfolio, including processes for management of credit risk with established standards
• Ensure timely and accurate completion of all investor reporting from the perspective of credit and asset performance
• Provide leading-edge credit risk identification & mitigation, with forward-looking & actionable insight for management.
• Provide thought leadership and partner with cross-functional groups to evaluate new initiatives, including valuations for portfolio acquisitions or sales
• Participate in investor roadshows and meetings to provide insights into upcoming product features and credit strategy enhancements, and their impact on portfolio metrics such as losses and returns
• Consume industry, competitor and macro-economic data and glean insights into LC’s competitive position and impact on portfolio performance
• Participate in industry roundtables to keep abreast of industry standards and best practices
• Facilitate regulatory exams
• Manage a team of analysts and managers while fostering a dynamic, equitable, inclusive, high performing learning culture

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Director
• Number of Employees: 1,001-5,000 employees