Associate Data Scientist, Fraud Strategy

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.

• Analyze 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

• 2 years of experience in data science fraud analytics decision science or a related analytical role

• Bachelors 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 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 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.

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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

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