Credit Strategy Director, Home Improvement

About the Role

This role leads credit strategy and pricing for Happen Bank's Home Improvement lending segment, a key unsecured Point of Sale business within Consumer Banking. It's responsible for shaping how the bank underwrites, prices, and manages risk in this segment, balancing growth with disciplined, risk-adjusted returns. The work spans policy, analytics, and cross-functional partnership, with direct influence on how the business scales responsibly.

• Own credit risk management and pricing strategy for the Home Improvement lending segment
• Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models, including vintage loss forecasting and valuations
• Partner with cross-functional teams to shape annual operating and strategic plans
• Drive loan issuance that delivers durable risk-adjusted returns for marketplace investors and held-for-investment assets, in line with business plan and risk appetite
• Lead development of predictive models, grading systems, and experimentation to compete along an optimal risk-return frontier
• Use AI-driven tools and techniques to sharpen credit performance analysis, surface optimization opportunities, and streamline workflows, while setting a high bar for responsible, explainable use
• Implement credit strategy changes with rigorous testing and strong preventive and detective controls
• Maintain credit policy documentation and standard operating procedures in line with bank and regulatory standards
• Partner with Product, Business, Engineering, and Data Science to drive innovation and new product development
• Build monitoring systems and early warning mechanisms to manage credit and operational risk
• Direct accurate, timely credit risk reporting for Credit Committee, Board, and regulatory needs
• Coach and mentor junior team members, strengthening analytical rigor and execution across the team

• 10+ years of experience in financial services, credit risk management, pricing, portfolio analytics, or lending strategy; bachelor's degree or higher, or equivalent combination of education and experience
• Deep domain expertise in unsecured lending, preferably point of sale lending or credit cards, with strong understanding of commercial value drivers
• Proven track record in credit policy development, underwriting strategy, pricing optimization, risk segmentation, loss forecasting, and portfolio analytics
• Skilled in translating credit and pricing strategy into business requirements, testing plans, controls, and production implementation
• Proficient in SQL, Python, and Tableau, with strong familiarity with advanced analytics and credit/ML models for consumer credit products
• You understand how AI and ML models interact with credit risk decision-making, including their limitations and regulatory implications, and know when a model should inform a decision versus drive it
• You set a high bar for responsible AI use in high-stakes work, with attention to data integrity, model limitations, and compliance, and you're building new workflows rather than just using existing ones
• Strong communicator and collaborator who can translate complex credit and analytical topics for a range of stakeholders
• Detail-oriented with sound judgment, a strategic mindset, and a consistent focus on measurable business results

• Advanced degree in Statistics, Finance, Economics, or a related quantitative field
• Experience mentoring or developing analytical talent in a credit or risk function

San Francisco, Lehi, New York, Boston, Remote

The above locations are eligible offices for this role. 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,…