Associate Data Scientist (Fraud Strategy) Lending Club
Online personal loans for affordable credit and rewarding investing.
Permanent
San Francisco
Occasional remote
125K to 145K $ a year
> 1 year
Skills we're looking for
Business Intelligence
Collaboration and teamwork
Tableau
SQL
Python
You'll be part of
1350 employees
Finance
Our take
Lending Club is a digital bank offering personal loans, auto loan refinancing, and debt consolidation to help individuals manage their finances. It provides flexible loan terms and competitive rates for a variety of needs, as well as high-yield saving and cash-back checking accounts, designed to help customers grow their money. Focusing on digital solutions, Lending Club removes traditional brick-and-mortar branches, passing the savings on to customers through low fees and better rates. It connects borrowers with investors in a marketplace model and offers fast loan approvals and competitive interest rates. To bolster its offering, the company acquired Tally Technologies' intellectual property (IP) to enhance its credit management services. It continues to develop and enhance its products and improve customer engagement in a bid to become a "top of mind" company with more active users.
You'll be working on
- 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
- 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
Benefits
- Untracked vacation for salaried employees, which means take it when you need it, and generous paid time off for hourly team members
- A hybrid work model that balances in-office and work from home
- Leading health and safety protocols related to COVID, including complimentary at-home testing kits from Cue Health for those coming to the office
- Up to 16 weeks paid leave for new parents, plus a fully paid, phased return-to-work policy for qualified leaves
- Mothers Rooms and hospital-grade pumps in every LC office
- Generous and varied mental health benefits
- Wellness program with cash incentives — earn up to $75 per month for being active
- Paid volunteer time and donation matching
- Onsite gym, locker room, bike room, and fitness classes (depending on location)
- Café with our own in-house barista
- Stocked pantries with healthy snacks and drinks
- Technology-forward and collaborative office spaces
We're looking for
- You have practical familiarity with AI tools, understand their strengths and limitations, and are ready to apply that judgment to real-world analytical problems
- Working knowledge of statistical analysis, data visualization, and model or strategy performance measurement
- You collaborate with humility, adapt to changing priorities, and bring curiosity, integrity, and a problem-solving mindset
- You use sound judgment when handling sensitive data and applying new methods, balancing speed with accuracy, explainability, and risk
- Hands-on experience using SQL and a statistical programming language such as Python to work with large datasets and produce reproducible analysis
- Bachelor’s degree or higher, or equivalent combination of education and experience
- 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
- 2+ years of experience in data science, fraud analytics, decision science, or a related analytical role
- 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