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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.

Responsibilities

Design, implement, and optimize collections strategies across early-stage, late-stage, and recovery portfolios.
Monitor portfolio trends and key collections performance metrics to identify risks and opportunities.
Develop dashboards, reporting, and analytical frameworks using SQL, Python, Tableau, and other tools.
Lead A/B testing and experimentation initiatives to improve collections effectiveness and member outcomes.
Build segmentation and decisioning strategies to 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.

Requirements

6+ years of experience in consumer lending, collections strategy, credit risk, portfolio analytics, or related financial services.
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 (e.g., Tableau, Qlik).
Ability to analyze large and complex datasets to identify trends, quantify performance, and drive business decisions.
Strong strategic thinking and problem-solving skills.
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, able to simplify technical concepts and influence stakeholders across functions.
Strong organizational and prioritization skills, able to manage multiple initiatives in a fast-paced environment.
Apply AI to complex work, set standards for responsible use, and build new workflows to improve outcomes.
Experience with collections strategy optimization, loss forecasting, or behavioral risk modeling (Nice to Have).
Experience supporting hardship, relief, or customer assistance programs (Nice to Have).
Familiarity with digital engagement strategies, automated decisioning, or collections technology platforms (Nice to Have).
Experience working in a FinTech or highly regulated financial services environment (Nice to Have).

Skills

SQL
Python
R
Excel
Tableau
Qlik
AI
Strategic thinking
Problem-solving
Communication
Organizational skills
Prioritization skills
A/B testing
Experimentation
Segmentation
Decisioning strategies
Collections strategy optimization
Loss forecasting
Behavioral risk modeling
Digital engagement strategies
Automated decisioning
Collections technology platforms

Location

San Francisco
Hybrid
In-office Tuesdays, Wednesdays, and Thursdays
Primarily Pacific Time
Travel as needed

Work Type

Full-time
Hybrid

Experience Level

6+ years of experience
Senior level

Education Level

Bachelor's degree in a related field
Equivalent work experience

Salary/Compensations

156,000-180,000 USD

Benefits

Competitive benefits package
Medical plan
Dental plan
Vision plan
401(k) match
Health and wellness programs
Flexible time off policies for salaried employees
Up to 16 weeks paid parental leave
Long-term awards (equity)
Annual bonus

About the Company

LendingClub (soon to be Happen Bank) aims to help people achieve financial progress.
Offers focused products, a frictionless mobile-first experience, and clear terms.
Values respect and fairness, shaping how they work and invest in employees and community.
Uses data, bold thinking, and innovation to help millions of Americans achieve more.

Equal Opportunity

LendingClub is an equal opportunity employer dedicated to diversity, equity, and inclusion.
Does not discriminate based on race, religion, color, national origin, sex, gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other legally protected characteristics.
Believes diverse perspectives strengthen teams and business.
Committed to providing reasonable accommodations for qualified individuals with disabilities.