Senior Credit Risk Manager Jobs in Orem, UT (NOW HIRING)

Current Employees of Happen Bank: Please apply via your internal Workday Account
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.
About the Role
The Sr. Controls & Testing Credit Bureau Reporting Manager will work within the Consumer Bureau Management Team to execute and oversee a comprehensive controls and testing program, ensuring all customer and account data is reported accurately, timely, and in full compliance with FCRA and Metro2 standards. The role will actively engage with various data files, tools, and sources, and in collaboration with other Credit Bureau Team leaders manage and maintain a comprehensive program that includes testing, controls, account trending and reporting, procedure management, KRIs, KPIs, issue and risk management, and Key Control Performance metrics. The role integrates data quality management, risk and control oversight, dispute management, and program-level reporting - partnering across Technology, Operations, Risk, and Compliance to drive continuous improvement in credit bureau data integrity. You have hands-on experience using AI tools to accelerate your work and improve output quality, and you are equally comfortable using them yourself and showing colleagues how to use them effectively. You see AI adoption as part of owning your domain, while also understanding the limitations of these tools and where human judgment remains critical.
What You'll Do

• Manage risk through controls surrounding credit bureau reporting and disputes; meet and exceed strategic objectives by providing expert analysis to support risk frameworks
• Serve as primary point of contact to Technical teams supporting Metro2 reporting; translate business requirements into technical specifications in partnership with data engineers and project managers
• Plan and direct projects in accordance with project timelines; manage competing priorities and deliverables
• Think creatively, investigate data environments, and work with internal and external partners to standardize and innovate practices for oversight, testing, and management of reported account data
• Utilize quantitative and empirical analysis to surface emerging issues and advise the Credit Reporting Team accordingly
• Implement effective procedures and controls to mitigate risk across the credit bureau reporting lifecycle
• Manage testing libraries and documentation in alignment with operating procedures and business requirements
• Ensure full compliance with company policies, prevailing regulations (including FCRA), and industry standards (CDIA Metro2/CRRG)
• Support operational evaluations and audits; identify gaps and implement corrective actions

About You

• 7+ years of progressive experience in credit bureau reporting, data quality, analytics, or risk/controls within banking, financial services, or fintech
• Demonstrated experience with the CDIA CRRG/Metro2 format for reporting data to the credit bureaus
• Experience with industry-specific testing tools (e.g., Data Quality Scanner, DataARC 360), systems of Record (e.g., SHAW) and Metro2 data files/copybooks
• Demonstrated ability to build and manage test case libraries and documentation aligned to business requirements and operating procedures
• Experience managing KRI/KPI reporting packages, controls testing, and risk/issue management programs
• Familiarity with change management processes, version control, and procedures for tracking data and code changes
• Experience working with data engineers, project managers, and technical teams to translate business requirements to technical specifications
• Excellent verbal and written communication skills with strong presentation capabilities to senior leadership
• Strong attention to detail with willingness to credibly challenge data and produced metrics
• Results-oriented with the ability to manage multiple priorities in a fast-paced environment

Work Location
Lehi, Utah
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 MT
Travel Requirements
Monthly/quarterly/as needed travel to Happen Bank offices and/or other locations, as needed.
Compensation
The target base salary range for this position is 100,000-120,000. 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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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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