Happen Bank (formerly LendingClub) 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.
Happen Bank is expanding its home lending capabilities and partnerships, with a focus on delivering home equity and mortgage solutions through digital and embedded experiences. We’re looking for a hands-on leader to own and grow our embedded home equity and mortgage business, manage key external partnerships, and continuously improve the end-to-end member experience.
This role sits within our Consumer business and operates at the intersection of product, partnerships, marketing, operations, legal/compliance, and analytics. You’ll effectively act as the GM for the embedded home lending journey—from initial engagement through funding and beyond - partnering closely with leaders across Lending and Product to drive performance, scale, and member value.
Own Home Lending Performance
Own end-to-end performance of HELOC and embedded mortgage offerings, including traffic, conversion, approval, funding, member satisfaction, and unit economics
Map, manage, and continuously improve the member journey, reducing friction and drop-off while increasing relevance and engagement
Translate business objectives into clear priorities and measurable outcomes
Partnership Management
Serve as the day-to-day owner for key mortgage and home equity partners, including SLAs, issue escalation, roadmap alignment, and ongoing business reviews
Collaborate with partners on joint initiatives across offers, messaging, and funnel optimization to drive mutual value
Embedded Experience & Growth
Partner with Product, Marketing, and Data teams to define where and how home lending solutions appear across Happen Bank experiences
Design and prioritize experiments around targeting, placement, messaging, and offer presentation
Identify cross-sell and lifecycle opportunities tied to member behavior and financial health signals
Analytics & Insights
Define and own core performance metrics for HELOC and mortgage products, including lead volume, conversion, funded volume, revenue per member, and complaint trends
Build operating dashboards and routines that translate data into clear insights and recommendations for senior leadership
Distribution & Operating Model Evolution
Partner with Legal, Compliance, Risk, Operations, and HR to support compliant mortgage distribution models, including referral and broker-based structures
Help define scalable operating models across people, process, and technology
Draft and refine procedures, scripts, and playbooks to support internal teams as Happen Bank expands in home lending
Ensure controls are compliant, repeatable, auditable, and clearly owned
Business Planning & Roadmap Input
Build data-driven business cases to support expansion into new products, partners, and geographies
Provide prioritized inputs into Product and Technology roadmaps, including capabilities such as lead routing, CRM workflows, compensation logic, and reporting
Partner with Performance and Lifecycle Marketing teams to drive sustained growth and adoption
Member Voice & Continuous Improvement
Partner with Customer Service to review feedback and complaints, conduct listening sessions, and identify journey improvements
Bring member, partner, and internal insights into a structured backlog and drive continuous improvement
6+ years of experience in financial services, with at least 5 years in mortgage, HELOC, home equity, or related home lending
Experience working with embedded finance, partner-led, or white-label lending models
Strong program and project management skills, with a track record of driving complex, cross-functional initiatives
Familiarity with mortgage and HELOC regulatory frameworks and comfort partnering closely with Legal and Compliance
Experience defining, tracking, and evolving KPIs and operating metrics
Collaborative and influential, with the ability to lead without authority across Product, Technology, Operations, and external partners
Clear and effective communicator, able to translate complexity into actionable direction
Comfortable operating independently in a fast-paced, highly cross-functional environment
Bachelor's degree or higher, or equivalent combination of education and experience
Direct experience at a mortgage or HELOC broker, correspondent lender, or fintech home lending platform
NMLS license or experience working closely with licensed sales or operations teams
Experience launching or scaling embedded lending partnerships
Background building digital banking or lending journeys
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
Primarily 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.
#LI-Hybrid
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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 interviewaccommodations@happen.com.
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