Sr Financial Innovation Manager – HELOC & Embedded Finance

LendingClub•San Francisco, CA

15d•$156,000 - $180,000•Hybrid

About The Position

LendingClub Bank is expanding its home lending capabilities and partnerships, with a focus on delivering home equity and mortgage solutions through digital and embedded experiences. We’re looking for a hands-on leader to own and grow our embedded home equity and mortgage business, manage key external partnerships, and continuously improve the end-to-end member experience. This role sits within our Consumer business and operates at the intersection of product, partnerships, marketing, operations, legal/compliance, and analytics. You’ll effectively act as the GM for the embedded home lending journey—from initial engagement through funding and beyond - partnering closely with leaders across Lending and Product to drive performance, scale, and member value.

Requirements

6+ years of experience in financial services, with at least 5 years in mortgage, HELOC, home equity, or related home lending
Experience working with embedded finance, partner-led, or white-label lending models
Strong program and project management skills, with a track record of driving complex, cross-functional initiatives
Familiarity with mortgage and HELOC regulatory frameworks and comfort partnering closely with Legal and Compliance
Experience defining, tracking, and evolving KPIs and operating metrics
Collaborative and influential, with the ability to lead without authority across Product, Technology, Operations, and external partners
Clear and effective communicator, able to translate complexity into actionable direction
Comfortable operating independently in a fast-paced, highly cross-functional environment
Bachelor’s degree in a related field; or equivalent work experience

Nice To Haves

Direct experience at a mortgage or HELOC broker, correspondent lender, or fintech home lending platform
NMLS license or experience working closely with licensed sales or operations teams
Experience launching or scaling embedded lending partnerships
Background building digital banking or lending journeys

Responsibilities

Own Home Lending Performance
Own end-to-end performance of HELOC and embedded mortgage offerings, including traffic, conversion, approval, funding, member satisfaction, and unit economics
Map, manage, and continuously improve the member journey, reducing friction and drop-off while increasing relevance and engagement
Translate business objectives into clear priorities and measurable outcomes
Partnership Management
Serve as the day-to-day owner for key mortgage and home equity partners, including SLAs, issue escalation, roadmap alignment, and ongoing business reviews
Collaborate with partners on joint initiatives across offers, messaging, and funnel optimization to drive mutual value
Embedded Experience & Growth
Partner with Product, Marketing, and Data teams to define where and how home lending solutions appear across LendingClub experiences
Design and prioritize experiments around targeting, placement, messaging, and offer presentation
Identify cross-sell and lifecycle opportunities tied to member behavior and financial health signals
Analytics & Insights
Define and own core performance metrics for HELOC and mortgage products, including lead volume, conversion, funded volume, revenue per member, and complaint trends
Build operating dashboards and routines that translate data into clear insights and recommendations for senior leadership
Distribution & Operating Model Evolution
Partner with Legal, Compliance, Risk, Operations, and HR to support compliant mortgage distribution models, including referral and broker-based structures
Help define scalable operating models across people, process, and technology
Draft and refine procedures, scripts, and playbooks to support internal teams as LendingClub expands in home lending
Ensure controls are compliant, repeatable, auditable, and clearly owned
Business Planning & Roadmap Input
Build data-driven business cases to support expansion into new products, partners, and geographies
Provide prioritized inputs into Product and Technology roadmaps, including capabilities such as lead routing, CRM workflows, compensation logic, and reporting
Partner with Performance and Lifecycle Marketing teams to drive sustained growth and adoption
Member Voice & Continuous Improvement
Partner with Customer Service to review feedback and complaints, conduct listening sessions, and identify journey improvements
Bring member, partner, and internal insights into a structured backlog and drive continuous improvement