Job Details

Sr Consumer Credit Director

LendingClub is looking for a Sr Consumer Credit Director 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.

What You'll Do

• Provide independent review and credible challenge of credit extension, pricing, and collections strategies across the consumer bank - including personal loans, point-of-sale financing, and auto refinance
• Lead the development of preventive and detective control systems, including robust early warning indicators and performance monitoring mechanisms
• Ensure credit risk monitoring processes are in place and aligned with company and regulatory standards
• Coordinate credit administration across the bank, including Credit Risk Committee meetings and ongoing updates to consumer credit policy, risk appetite, and concentration limits
• Ensure timely and accurate delivery of credit risk reporting to the Credit Committee, Board, and regulators
• Deliver forward-looking, actionable insights on credit risk to senior management and the Board, while providing thought leadership on new product development initiatives
• Represent LendingClub in industry roundtables to stay current on best practices and evolving standards
• Facilitate regulatory exams and ensure readiness across credit risk functions
• Collaborate cross-functionally to support the development and execution of annual operating and strategic plans
• Manage and mentor a team of analysts, fostering a high-performing, inclusive, and growth-oriented culture

About You

• Functional (first or second line) credit risk practitioner with strong analytical skills, sound credit judgment, and deep domain expertise in consumer credit
• 10+ years of progressive experience in financial services, with a focus on unsecured consumer lending and credit risk management
• Proven ability to synthesize complex data and communicate insights clearly - both in writing and verbally
• Effective collaborator and influencer, with a versatile interpersonal style and strong stakeholder management skills
• Strategic operator with a sharp attention to detail and a results-driven mindset
• Experienced people leader with a track record of building and motivating high-performing teams
• Proficient in SQL, Python, and Tableau; familiar with CECL (Current Expected Credit Loss) and capital stress testing frameworks
• Master's degree in a quantitative discipline (e.g., engineering, finance, economics) preferred

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 199,000-233,000. 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.

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 ...@lendingclub.com.