Job Description
Current Employees of LendingClub: Please apply via your internal Workday Account
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.
About the Role
We are looking for a strategic and analytical Sr Collections Strategy Manager to help drive stronger portfolio performance and better member outcomes through modern, data-driven collections strategies. This role will lead initiatives across collections strategy, portfolio analytics, experimentation, and process optimization while partnering cross-functionally to improve operational effectiveness and member experience. You’ll play a key role in evolving how Collections operates by leveraging analytics, automation, and AI-enabled workflows to improve recoveries, reduce losses, and scale smarter decision-making.What You'll Do
- Design, implement, and optimize collections strategies across early-stage, late-stage, and recovery portfolios
- Monitor portfolio trends, roll rates, cure rates, RPC, PTP, and other key collections performance metrics to identify risks and opportunities
- Develop dashboards, reporting, and analytical frameworks using SQL, Python, Tableau, and other tools to support business decisions
- Lead A/B testing and experimentation initiatives to improve collections effectiveness and member outcomes
- Build segmentation and decisioning strategies that improve treatment personalization and operational efficiency
- Partner cross-functionally with Operations, Product, Data Science, Risk, and Technology teams to improve collections workflows and tooling
- Leverage AI to review documents, presentations, controls, and industry practices to identify opportunities and improve decision-making
- Utilize AI capabilities to identify trends in data and suggest potential collections and portfolio strategies
- Develop and enhance hardship and relief programs that balance member support with responsible risk management
- Translate complex analysis into clear recommendations and actionable insights for technical and non-technical stakeholders
- Support evolving products and servicing strategies by developing scalable, member-first collections approaches
About You
- 6+ years of experience in consumer lending, collections strategy, credit risk, portfolio analytics, or related financial services experience; bachelor’s degree in a related field; or equivalent work experience
- Strong experience developing and managing collections or credit strategies for unsecured consumer lending products
- Advanced analytical skills with hands-on experience using SQL, Python or R, Excel, and BI tools such as Tableau or Qlik
- Ability to analyze large and complex datasets to identify trends, quantify performance, and drive business decisions
- Strong strategic thinking and problem-solving skills with the ability to balance member experience, operational realities, and portfolio performance
- Experience leading initiatives with a high degree of ownership and improving team workflows or operational processes
- Effective communicator who can simplify technical concepts and influence stakeholders across functions
- Strong organizational and prioritization skills with the ability to manage multiple initiatives in a fast-paced environment
- You apply AI to complex work, set standards for responsible use, and build new workflows to improve outcomes
Nice to Have
- Experience with collections strategy optimization, loss forecasting, or behavioral risk modeling
- Experience supporting hardship, relief, or customer assistance programs
- Familiarity with digital engagement strategies, automated decisioning, or collections technology platforms
- Experience working in a FinTech or highly regulated financial services environment
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 156,000-180,000. 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.
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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 [email protected].