Credit Strategy & Pricing Analyst

Current Employees of Happen Bank: Please apply via your internal Workday Account
Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.
About the Role
As a member of the Credit Risk team, you will help develop, implement, and track the underwriting and pricing strategy for our lending products. You'll work alongside senior team members and stakeholders to find opportunities to improve yield for investors while maintaining reasonable loss rates, and to improve the overall financial performance of the business. This role is a strong opportunity to build deep credit and pricing analytics skills while contributing directly to strategies that go into production.
What You'll Do
Assist in developing, implementing, and managing credit risk strategies that involve elements of credit underwriting, pricing, loan amount assignment, and verification based on an estimation of probability of default
Help design A/B tests to understand risk-return tradeoffs using hypothesis testing frameworks
Build 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, identify pockets of underperformance, and conduct root cause analysis to help recommend risk mitigation strategies
Support the evaluation of credit expansion opportunities to optimize risk-adjusted revenue
Help expand the set of data used in the credit decisioning process by evaluating the value of non-traditional data sources and re-engineering the use of existing data elements
Work closely with technology teams to ensure new strategies are implemented accurately and as designed
Leverage both off-the-shelf and custom AI tools to assist with conducting analyses, sharing insights and generating reports
About You
0-1 years of experience in analytics; Bachelor's or Master's degree with a quantitative background (e.g., Statistics, Math, Engineering, Economics), or equivalent work experience
Strong technical skills such as SQL/SAS and R/Python
Hands-on experience with BI/data visualization tools (like Tableau or Excel) to create dashboards
Excellent written and verbal communication skills
Prior experience in analytics, credit, or risk management is a plus
Previous experience in the financial services/FinTech industry a plus
AI tools are part of how you navigate the world — you use them to research, write, problem-solve, and learn faster. You're ready to bring that to your work.
Work Location
San Francisco
The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.
Time Zone Requirements
Local hours (PT)
While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
Travel Requirements
As needed travel to Happen Bank offices and/or other locations, as needed.
Compensation
The target base salary range for this position is 84,000-98,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).
We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes 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 and more.
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Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.
We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@happen.com.
Notice on AI Tool Use
For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.
You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out.
During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment-related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment.
We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information, please refer to our Privacy Disclosure.
We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.