MidFull TimeEN
LendingClub (soon to be Happen Bank) 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.
Design, implement, and monitor collections strategies across early-stage, late-stage, and recovery segments
Use analytics to optimize digital contact strategies, including targeted email, SMS, and push notifications
Develop and evaluate A/B tests to measure the effectiveness of new initiatives and validate hypotheses
Partner with Operations, Marketing, Technology, and other teams to ensure strategies are aligned, executable, and measurable
Analyze portfolio performance, including delinquency roll rates, payments, RPC and PTP rates, and other Collections effectiveness metrics
Lead deep-dive analyses to understand drivers behind emerging trends and identify strategic opportunities
Build and maintain dashboards using SQL, Python, Tableau, and Excel to track portfolio health and strategy performance
Develop and implement new repayment programs and optimized contact strategies
Leverage AI to optimize SQL/Python Codes and to support documentation
Utilize AI Capabilities to find trends in the data and to suggest possible strategies
Ensure all strategies meet regulatory requirements and internal risk policies
Collaborate with Compliance and cross-functional partners to maintain ethical and customer-centric practices
3+ years of experience in retail or consumer credit risk management, collections strategy, or a related analytical role Bachelor’s degree in a related field; or equivalent work experience
Experience with consumer lending products such as credit cards or personal loans
Strong skills in risk assessment, trend analysis, and operational optimization
Proficiency in SQL and comfort working with large, complex datasets
Experience with visualization tools such as Tableau, Power BI, or similar
Ability to clearly communicate analytical findings and business implications to both technical and non-technical audiences
You actively use AI to improve your work and are thoughtful about accuracy, data sensitivity, and better ways of working.
Bachelor's in Business, Computer Science, Economics, Math, Statistics, or a related field; or equivalent work experience
Bonus: Experience in Collections Strategy, Credit Risk Strategy, marketing analytics, or risk management
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. LendingClub offers relocation, based on actual job level.
Time Zone Requirements
Primarily PT
While the position will primarily work local hours, LendingClub is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
Travel Requirements
As needed travel to LendingClub offices and/or other locations, as needed.
Compensation
The target base salary range for this position is 136,000-159,000. 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 LendingClub’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.
#LI-Hybrid
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LendingClub 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@lendingclub.com.
