Credit Strategy Manager, Home Improvement

August 26, 2026

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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.

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