Director, Modeling and Data Science

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 intofinancial 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

Happen Bank is looking for a Director Modeling and Data Science to lead the machine learning and statistical models behind our lending and deposit products including credit risk fraud collections pricing and marketing. You will lead a team of experienced data scientists and set the direction for how Happen Bank builds models that are accurate interpretable and compliant. You will work closely with partners across Risk Technology Marketing and Compliance to turn those models into better decisions for the business and our members.

What Youll Do

• Lead the end-to-end lifecycle of machine learning and statistical models from development and deployment through monitoring and retraining across credit fraud collections pricing and marketing decisioning

• Set the modeling roadmap and priorities for the function balancing business impact regulatory expectations and team capacity

• Build manage and mentor a team of data scientists and machine learning experts holding a high bar for technical rigor and accountability

• Partner with Credit Strategy Marketing Risk Engineering Model Risk Management and Compliance to align solutions with business goals and explain complex technical concepts clearly to executives and oversight functions

• Apply advanced techniques such as gradient boosting deep learning and ensemble modeling to improve model performance

• Shape Happen Banks ML infrastructure and tooling for scalable experimentation and deployment and identify new data sources that improve model performance

• Ensure rigorous documentation governance and validation in line with financial services regulatory requirements including model risk and fair lending expectations

• Embed AI into how the team works using it to speed up development analysis and documentation while keeping human oversight data integrity and accountability in place

About You

• 10 years of experience in machine learning data science or credit risk analytics preferably in consumer lending or financial services including 6 years in people management; bachelors degree in a related field; or equivalent work experience

• You lead the team with clear direction and sharp accountability and you make sound calls on priorities tradeoffs and risk

• You have strong technical depth in supervised and unsupervised learning (e.g. logistic regression decision trees GBMs neural networks) and are proficient in Python and key ML libraries (e.g. Scikit-learn XGBoost TensorFlow PyTorch)

• You have a deep understanding of the model lifecycle from development through monitoring and retraining

• You are familiar with model governance practices and regulatory frameworks (e.g. SR 11-7 OCC guidance)

• You understand how AI and ML models interact with credit risk decision-making including their limitations failure modes and regulatory implications and you know when a model should inform a decision versus drive it

• You have a clear perspective on where AI adds real leverage across your function and have turned it into how your teams operate fostering a culture of innovation while keeping accountability sharp

• You have a proven record of delivering complex cross-functional projects managing stakeholder expectations and bringing partners along as the work evolves

Nice to Have

• Hands-on experience developing LLM and foundation models such as transformer-based sequence models pre-trained tabular models

• Masters or PhD in a quantitative field such as Statistics Computer Science Engineering or Economics

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 roles team or the related business lines. We utilize a hybrid work model and our teams are in-office Tuesdays Wednesdays and -person attendance is essential for this roles success and remote placement will not be considered. Happen Bank offers relocation based on actual job level.

Time Zone Requirements

Local hours (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 00. 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 Banks 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).

Were 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

#LI-BC1

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

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Required Experience:

Director