Job Details

Role Overview

Sr Credit Strategy Manager - Auto

We are looking for a Sr Manager, Credit Strategy & Pricing, who is an organized and motivated player‑coach, with a strong sense of ownership. As a key member of the credit risk management team, you will develop and implement the underwriting and pricing strategy for Auto Refinance, an important and growing segment for LendingClub.

What You'll Do

• Develop, gain approval, and implement credit risk strategies that involve elements of credit underwriting, pricing, loan amount assignment and verification based on an estimation of probability of default.
• Design A/B tests to help understand risk return tradeoffs using hypothesis testing frameworks.
• Craft 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 recommend risk mitigation strategies.
• Measure credit expansion opportunities to optimize risk‑adjusted revenue.
• Expand existing set of data used in credit decisioning process by evaluating information, value of non‑traditional data sources and re‑engineering use of existing data elements.
• Manage and measure data quality, coverage, and freshness.
• Take ownership in developing, executing and driving solutions independently for partnership channels.
• Work closely with technology and engineering teams to ensure new strategies are implemented accurately and as designed.
• Develop and provide regular reporting on status and ensure timely communication at senior level meetings.
• Partner with cross‑functional teams to ensure the effective execution of new partnerships, managing all stages including partner onboarding, launch, performance monitoring and ongoing tracking of credit performance and optimization.

About You

• 6+ years of experience in credit, analytics, risk management, and data science.
• Bachelor's degree or higher in a quantitative field (e.g., Statistics, Math, Engineering, Economics) or equivalent work experience.
• Must be self‑directed, able to work independently, as well as thrive in a team‑oriented, fast‑paced environment.
• Strong technical skills such as SQL, SAS, Python, Tableau, with familiarity with big data and cloud environments.
• Strong MS‑Office skills (Excel, PowerPoint).
• Excellent written and verbal communication skills, including the ability to communicate project scope in documentation and presentation format.
• Previous experience in the financial or fintech industry, preferably in auto lending, is a plus.

Work Location

San Francisco. This role requires in‑person attendance Tuesdays, Wednesdays, and Thursdays; 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, the ideal candidate will be flexible working across time zones when necessary.

Travel Requirements

As needed to LendingClub offices and/or other locations.

Compensation

The target base salary range for this position is $147,000–$170,000. The base salary will be determined by job‑related knowledge, experience, education, skills, and location. Base salary is just one part of LendingClub's Total Rewards package. Eligible employees may also receive long‑term awards (equity) and an annual bonus based on company performance, employee performance and eligible earnings.

Additional benefits include medical, dental and vision plans for employees and families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.

Equal Opportunity Employment

LendingClub is an equal opportunity employer dedicated to diversity, equity, and inclusion. 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.

We are committed to providing reasonable accommodations for qualified individuals with disabilities during the job application process. If you need assistance or an accommodation due to a disability, please contact us at ...@lendingclub.com.