Sr. Manager, Direct and Fintech Consumer Lending

Job Summary

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.

This role provides strategic and operational leadership to ensure lending products, processes, and partnerships support sustainable growth, strong portfolio performance, and an exceptional member experience.

Description

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.

This role 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. This position serves as the primary relationship manager for fintech partners, overseeing performance, integration, and ongoing optimization of digital lending platforms. The role is also responsible for ensuring lending processes remain efficient, effective, compliant, and aligned with the credit union’s risk appetite, while 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.

Operational Leadership

• Directs and monitors all facets of lending operations and monitors progress on a regular basis that is consistent with the Credit Union’s strategic plan. This includes 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.
• Supports business and marketing initiatives to enhance loan production.
• Maintains lending vendors in accordance with timing and business needs. Recommends retention or any changes needed.

Consumer Lending & Underwriting Oversight

• 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.
• Approves / denies loan application requests including those for Credit Union employees.

Risk Management & Compliance

• Serve as lending compliance subject matter expert with an emphasis on fair lending compliance, provide related guidance to management and assist with the ongoing development of compliance training to ensure the…