Credit Strategy Manager, Home Improvement

About the position

As a key member of the Credit Risk Management team, you will develop and manage credit risk strategies for LendingClub’s Point of Sale lending products. In this role, you will design underwriting and pricing strategies, monitor portfolio performance, and identify opportunities to improve risk-adjusted returns while maintaining appropriate loss levels. You will apply analytical techniques and experimentation frameworks to evaluate strategy performance, optimize risk decisions, and improve the financial performance of LendingClub’s Point of Sale lending business.

Responsibilities

• Develop and manage credit risk strategies including underwriting, pricing, loan amount assignment, and verification policies based on probability of default models
• Design and run A/B tests to evaluate risk and return tradeoffs using hypothesis testing frameworks
• Build automated dashboards and reporting to track KPIs related to funnel conversion, portfolio performance, and strategy outcomes
• Analyze loan performance data to identify underperformance trends and conduct root cause analysis to recommend risk mitigation strategies
• Evaluate credit expansion opportunities to optimize risk-adjusted revenue
• Expand the data used in credit decisioning by assessing new data sources and improving the use of existing variables
• Monitor and improve data quality, coverage, and data freshness used in risk models and decisioning processes
• Partner with technology teams to ensure credit strategies are implemented accurately and operate as designed

Requirements

• 3+ years of experience in credit risk, analytics, risk management, or data science roles
• Strong technical skills using SQL, SAS, R, or Python
• Experience using BI or data visualization tools such as Tableau or Excel to develop dashboards and reporting
• Strong analytical thinking and ability to evaluate complex data to support decision-making
• Excellent written and verbal communication skills, including the ability to present findings and recommendations clearly
• Bachelor’s degree in a related field such as Statistics, Mathematics, Engineering, Economics, or a similar quantitative discipline; or equivalent work experience

Nice-to-haves

• Experience working in financial services, fintech, or consumer lending environments is a bonus

Benefits

• 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.