Director, Lending Decision Systems

Current Employees of Happen Bank: Please apply via your internal Workday Account

Happen Bank (formerly LendingClub) 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 Director, Lending Decision Systems to lead the Decision Systems team responsible for design, build and maintenance of the decision infrastructure and related data interfaces. This role requires a seasoned leader to partner with several teams across Happen Bank to understand their business needs, manage complex, cross-functional work and provide support to achieve the strategic business objectives via automated decisioning technology. This role will report into the VP of Risk Infrastructure and will navigate the team through challenges and drive impactful results.

What You'll Do

• Spearhead the development and execution of the Strategic Transformation programs for the Risk Infrastructure function while partnering with Credit Risk, Modeling, Business, Engineering, Product, Marketing and other teams at Happen Bank 
• Work with the Team Managers to flawlessly deliver (implement) the BAU policies and models on the Decision Infrastructure for Personal Loan Portfolio 
• Develop in-depth expertise across Happen Bank’s suite of Products, technologies and processes  
• Build rapport and close partnership with the peer groups and leads in the Credit Risk and Business teams through proven understanding of the functions for demand management and to run the Risk Infrastructure function effectively
• Collaborate with the Engineering subject matter experts to define the technology strategy, roadmap to the destination (Future State) architecture and lead the scalability of decisioning solution(s)
• Apply AI responsibly to build the Next-Gen lending platforms, optimize and automate existing processes, boost productivity, and accelerate transformation in the decisioning domain 
• Provide timely reports to leadership on Projects progress, issues, risks and escalations. Generate Decision Systems presentations for management updates  
• Lead and support the team by mentoring members in their professional and technical development while keeping immediate management informed on team performance metrics, challenges, and opportunities, providing strategic recommendations for improvement  
• Oversee the Offshore contract team, key role recruitment and amplify operational efficiencies
• Lead the internal and external regulatory audits and drive the audit findings to the finish line 

About You

• 10+ years of proven leadership in developing team members and managing teams with complex technology programs in a fast-paced fintech or financial services environment , including 6+ years in people management
• 10+ years of track record in rules engine like GDS Link, Provenir, Drools, Alloy, Blaze, Oscilar or equivalent technologies 
• Strong hands-on technical foundation with expertise in building APIs, microservices, cloud architectural patterns & Tech strategy  
• Exceptional cross-functional collaboration skills to drive alignment and achieve organizational goals
• Outstanding communication and negotiation skills, with the ability to influence stakeholders at all levels
• Experience navigating a fast-paced, ambiguous and evolving environment that requires constant problem-solving in complex technical areas and resolving of issues with optimal outcomes aligned with the business goals
• Executive presence with strategic mindset, ability to think big-picture with long-term goal while also being laser-focused on tactical execution and operational efficiency  
• Bachelor's degree or higher, or equivalent combination of education and experience

Work Location
San Francisco, New York

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. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements
Primarily PT

While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements
As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation
The target base salary range for this position is 210,000-245,000. 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 Happen Bank’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.

#LI-Hybrid
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Happen Bank 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 interviewaccommodations@happen.com. 

 

Notice on AI Tool Use 

 

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.

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