Sr. Manager, Direct and Fintech Consumer Lending

Senior Manager of Direct and Fintech Consumer Lending – Job Summary

The Senior Manager of Direct and Fintech Consumer Lending is responsible for the day-to-day leadership, performance, and oversight of the credit union’s consumer lending operations, including auto loans, personal loans, and credit cards, delivered through direct and fintech-enabled channels. This role manages departmental operations to ensure lending goals are achieved while maintaining strong credit quality, regulatory compliance, and operational efficiency. The Senior Manager provides strategic and operational leadership to ensure lending products, processes, and partnerships support sustainable growth, strong portfolio performance, and an exceptional member experience.

The Senior Manager manages day-to-day operations of the department, sets and monitors performance goals, and ensures objectives related to loan production, credit quality, efficiency, and member satisfaction are consistently met. The position serves as the primary relationship manager for fintech partners, overseeing performance, integration, and ongoing optimization of digital lending platforms. The role ensures lending processes remain efficient, effective, compliant, and aligned with the credit union’s risk appetite, continuously identifying opportunities to enhance automation, scalability, and innovation.

Through strong leadership and cross‑functional collaboration, the Senior Manager supports the credit union’s consumer lending strategy and digital growth initiatives.

• Direct and monitor all facets of lending operations and track progress in line with the Credit Union’s strategic plan, including oversight of consumer portfolios, underwriting, lending compliance, quality assurance, and collateral tracking.
• Oversee daily operations of the direct and fintech consumer lending department, ensuring consistent execution of lending policies, procedures, and service standards.
• Manage staffing, workflows, and resource allocation to support loan volume, service levels, and turnaround time goals.
• Establish, monitor, and report on key performance indicators (KPIs) related to production, efficiency, credit quality, and member experience.
• Ensure department goals and objectives align with the credit union’s strategic plan and consumer lending strategy.
• Support business and marketing initiatives to enhance loan production.
• Maintain lending vendors in accordance with timing and business needs, recommending retention or changes as required.

• Provide oversight of underwriting practices for auto loans, personal loans, and credit cards to ensure consistency, accuracy, and adherence to approved credit policies.
• Monitor loan decisioning, exceptions, and overrides to ensure appropriate risk controls are maintained.
• Partner with risk management and lending leadership to recommend updates to credit policy, pricing, and underwriting criteria based on portfolio performance and market conditions.
• Ensure underwriting and lending processes balance growth, risk, and member value.
• Approve or deny loan application requests, including those for Credit Union employees.

• Serve as lending compliance subject matter expert with an emphasis on fair lending compliance, providing guidance to management and assisting with the development of compliance training to ensure full compliance with all lending laws and regulations.
• Ensure consumer lending operations comply with all applicable federal and state regulations, including Fair Lending, UDAAP, ECOA, FCRA, TILA, and credit card–related requirements.
• Partner with Compliance, Risk, and Internal Audit teams to support examinations, audits, reviews, and issue remediation.
• Monitor portfolio trends, delinquency, losses, and exception reporting to identify and mitigate emerging risks.
• Ensure controls, documentation, and processes are maintained to support safe and sound lending practices.

• Serve as the primary relationship manager for fintech lending partners supporting consumer loan originations and servicing.
• Monitor…