Associate Data Scientist, Fraud Strategy

Current Employees of Happen Bank:
Please apply via your internal Workday Account Happen Bank (formerly Lending Club) 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 The Fraud and Data Science team uses internal and external data to detect, prevent, and mitigate fraud across Happen Bank. As an Associate Data Scientist, you’ll turn complex data into actionable insights, develop analytical solutions that strengthen fraud strategies, and partner across Fraud, Risk, Product, Technology, and Operations while building deeper technical and business expertise.

What You'll DoAnalyze large, complex datasets using SQL and Python to identify fraud patterns, emerging risks, and opportunities to improve decision-making

Support the development and implementation of fraud detection strategies, rules, and models based on data analysis and business requirements

Monitor fraud trends, loss metrics, strategy performance, and key indicators, investigating anomalies and translating findings into actionable insights

Build and maintain reliable queries, dashboards, and reporting using established data and business intelligence standards

Evaluate new internal and external data sources, features, and analytical techniques for predictive value, data quality, and practical application

Develop repeatable processes to monitor model and strategy performance, data accuracy, and changes in population behavior

Partner with cross-functional teams to translate business questions into analytical approaches and support solutions from analysis through implementation

Use AI-assisted tools where appropriate to accelerate exploration, coding, and documentation while validating outputs and protecting sensitive data About You2+ years of experience in data science, fraud analytics, decision science, or a related analytical role Bachelor's degree or higher, or equivalent combination of education and experience

Hands-on experience using SQL and a statistical programming language such as Python to work with large datasets and produce reproducible analysis

Working knowledge of statistical analysis, data visualization, and model or strategy performance measurement

Ability to translate analytical findings into clear recommendations for technical and business audiences

You take ownership of assigned work, ask thoughtful questions, and incorporate feedback to improve quality and outcomes

You use sound judgment when handling sensitive data and applying new methods, balancing speed with accuracy, explainability, and risk

You have practical familiarity with AI tools, understand their strengths and limitations, and are ready to apply that judgment to real-world analytical problems

You collaborate with humility, adapt to changing priorities, and bring curiosity, integrity, and a problem-solving mindset

Nice to Have Experience in fraud, credit risk, financial services, e-commerce, or another high-volume digital environment

Experience with Tableau or another business intelligence and visualization platform

Exposure to feature engineering, predictive modeling, model monitoring, or experimentation

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…