About the Role

The Sr Personal Loans Strategy Manager owns Happen Bank's Online & Mobile Banking digital lending channel, driving the strategy, performance, and end-to-end execution behind Personal Loan originations across our member segments. This role manages the channel roadmap independently—spanning core offer programs like TopUp, Refinance, and Pre-Approved/Prescreen, as well as new growth initiatives—and is accountable for the quality and results of everything that runs through it.

The ideal candidate takes full ownership of outcomes, operates with a high degree of independence, and brings a test-and-learn mindset to a fast-paced, cross-functional environment.

What You'll Do

• Own the Online & Mobile Banking channel end-to-end—strategy, roadmap, and execution—driving Personal Loan originations and growth across member segments
• Manage scoped channel initiatives across core offer programs such as TopUp, Refinance, and Pre-Approved/Prescreen, as well as new digital growth opportunities, owning the quality of outputs from planning through delivery
• Apply data to evaluate channel performance, connect results to broader Personal Loans goals, and surface insights and recommendations to senior stakeholders
• Partner with Product, Marketing, Risk, Technology, and Finance as the accountable business owner of the digital channel, aligning cross-functional partners around a shared roadmap and goals
• Design and run experiments to validate hypotheses, learn from outcomes, and continuously improve channel performance, sharing effective approaches and results with peers
• Drive adoption of AI tools and approaches within the channel's scope of work, building judgment around where they add value and where successful approaches can be scaled
• Identify and test new approaches to channel-level opportunities and challenges across eligibility, pricing, user experience, and personalization

About You

• 6+ years of experience in financial services, fintech, consulting, or a related field
• Bachelor's degree or higher, or equivalent combination of education and experience
• Track record of independently owning a scoped area of the business and managing priorities and workload with minimal guidance
• Strong understanding of unsecured lending unit economics and digital or online banking channels
• Strong analytical and problem-solving skills with a track record of applying data and experimentation to drive decisions and improve outcomes
• You have hands-on experience using AI tools to accelerate your work and improve output quality, and you're comfortable showing others how. You see AI as part of owning your domain, not just a nice-to-have, while remaining thoughtful about its limitations and where human judgment matters most, especially where lending decisions and sensitive data are involved
• Ability to build strong cross-functional partnerships and adapt your communication and approach to the needs of different stakeholders in a fast-paced, matrixed environment
• Strong communication skills with the ability to clearly and concisely convey insights and recommendations to senior stakeholders
• Detail-oriented with a strong focus on accuracy, ownership, and follow-through

• Proficiency in SQL, Python, or similar analytical tools

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 related business lines. 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, and remote placement will not be considered. Happen 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 156,000-180,000. 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 Bank's 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).

We’re 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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