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Happen Bank

Reimagining banking to help millions achieve their financial goals

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Financial Services
Founded 2006
San Francisco
1050
Profile last updated: July 2026

About Happen Bank

Financial ServicesFounded 2006

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Since 2007, LendingClub (NYSE: LC) has reimagined banking to give our more than five million members the credit and savings they deserve. We build lifetime relationships through an integrated set of smart, simple, mobile-first financial solutions that are tailored to our members’ specific needs. LendingClub’s capital-light business model is structurally different, combining durable interest income from our bank balance sheet with revenue and scale from loan sales to third-party investors. This earnings flywheel delivers durable financial results while also allowing us to relentlessly reward our members. Credit is key to our success and our long track record of credit outperformance is enabled by AI-powered underwriting models informed by over 150 billion cells of proprietary data derived from tens of millions of repayment events through numerous economic cycles. Taken together, our unique model, decades of credit insight, innovative products, engaging experience, exceptional service, and experienced team deliver consistently great outcomes for borrowers, loan investors, and shareholders alike – and we’re just getting started. LendingClub is the parent company of LendingClub Bank, National Association, Member FDIC. For more information about LendingClub, visit https://www.lendingclub.com .

Quick Facts

  • IndustryFinancial Services
  • Founded2006
  • HeadquartersSan Francisco
  • Certifications26

What Sets Us Apart

Member-First Innovation

Reimagining banking since 2007 with mobile-first financial solutions tailored to members' specific needs, delivering credit and savings they deserve through cutting-edge AI-powered underwriting.

Data-Driven Excellence

Leveraging 150+ billion cells of proprietary data from millions of repayment events across economic cycles to consistently deliver superior credit performance and exceptional outcomes.

Sustainable Growth Model

Capital-light business structure combining durable interest income with investor partnerships, creating an earnings flywheel that rewards members while delivering consistent financial results.

Our Culture

The lived experience at Happen Bank

Bold Innovation & Challenging Status Quo

Employees are encouraged to think bigger and question traditional banking approaches. The culture rewards creative problem-solving and isn't afraid of disruption in service of member value.

Authentic Collaboration Across Disciplines

The blend of fintech talent and financial services professionals creates a dynamic where different perspectives are not just tolerated but actively sought. Teams work together with genuine respect and shared accountability.

Accountability With Trust

Employees 'Own It'—taking responsibility for outcomes while working in an environment of psychological safety. People are trusted to do meaningful work without excessive oversight, and there's clear ownership of results.

Purpose-Driven Work With Real Impact

Every employee understands how their work touches real people's financial lives. There's a tangible sense that decisions matter and that individual contributions directly improve members' outcomes.

Member-Centric Decision Culture

Across the organization, decisions are filtered through the lens of 'What's best for our members?' This creates alignment and ensures that even complex business discussions ultimately focus on member value.

Our Culture DNA

The core values that drive Happen Bank

TransparencyAccountabilityInnovationIntegrityCollaborationEmpowermentInclusionImpactGrowthTrust

Frequently Asked Questions about Happen Bank

Common questions about working at Happen Bank, their culture, and benefits.

LendingClub operates as a digital marketplace bank with a capital-light business model that combines interest income from our bank balance sheet with revenue from loan sales to third-party investors. Our technology-first approach enables us to offer simpler, faster, more transparent financial solutions directly to members without the overhead of traditional brick-and-mortar banking.

The average hiring process at LendingClub takes approximately 17 days from application to offer, though this can vary depending on the role and level of seniority.

LendingClub's culture blends tech and financial services expertise—we describe ourselves as 'sneakers and suits.' We value diverse perspectives, encourage employees to voice opinions, and embrace accountability. Our core values (Do What's Right, Think Bigger, Own It, Work as One) guide decision-making at all levels. We prioritize work-life balance with unlimited PTO and flexible work arrangements, and we maintain a strong commitment to inclusion through Employee Resource Groups and diversity initiatives.

LendingClub offers comprehensive benefits including unlimited/flexible PTO, health insurance (medical, dental, vision), mental health and wellness programs, 401(k) with company match, stock options, professional development opportunities, tuition reimbursement, and access to Employee Resource Groups. We also provide discounts on LendingClub products and have strong parental leave policies.

Since our founding in 2007, more than 5 million members have joined LendingClub to reach their financial goals. Members access our platform to borrow, save, invest, and manage their finances through our integrated digital banking solutions.

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This profile is based on data from LinkedIn, Glassdoor, Indeed, and the company's public career page. All certifications are independently verified by Best Practice Institute.