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 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.

We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way.

About the Role

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.

Responsibilities

• 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

Requirements

• 2+ years of experience in data science, fraud analytics, decision science, or a related analytical role
• Bachelor's 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