Manager, Indirect Lending & Underwriting — AI-Driven Ops

Position: Manager of Indirect Lending and Underwriting

Location: 12701 Schabarum Ave, Irwindale, CA

Remote Status: Hybrid

Job : 224

# of Openings: 1

Manager of Indirect Lending and Underwriting - Consumer Lending

Remote Work - Hybrid: This hybrid remote role is based out of our Irwindale, California headquarters and offers a blend of in-office collaboration and remote work flexibility.

At Rize, we believe banking should be human, innovative, and continuously evolving. We are seeking a collaborative and forward-thinking Manager of Consumer Lending to lead our centralized underwriting operations across direct and indirect consumer lending programs.

This is an exciting opportunity for a lending leader who combines strong underwriting expertise with operational leadership, relationship-building skills, and a passion for innovation. We’re looking for someone who is energized by emerging technologies, including automation and AI-enabled tools, and excited about finding smarter, faster, and more consistent ways to enhance underwriting operations, decision quality, team effectiveness, and the member experience.

In this role, internally known as Manager of Consumer Lending, you’ll lead the day-to-day operations of our consumer underwriting function, overseeing direct and indirect lending workflows, coaching underwriting teams, and driving operational performance.

You’ll play a key role in:

• Leading and developing a high-performing underwriting team
• Managing underwriting operations for direct and indirect consumer loan products, including auto loans and leases
• Supporting dealer and third-party lending partner relationships
• Monitoring lending quality, service levels, workflow efficiency, and operational performance
• Explore and leverage automation, analytics, workflow technologies, and AI-enabled tools to improve underwriting consistency, operational efficiency, decision quality, and team effectiveness
• Help identify opportunities where emerging technologies and AI solutions can streamline processes, reduce manual effort, improve workflows, and enhance the overall lending experience
• Partnering cross-functionally with Risk Management, Collections, Loan Production, and other operational teams

• Curious about emerging technologies and motivated to continuously improve operational processes
• Comfortable experimenting with new tools, automation solutions, and AI-enabled technologies to enhance productivity and decision-making
• Forward-thinking and adaptable, with a mindset focused on innovation, efficiency, and continuous improvement
• An experienced consumer lending and underwriting professional with strong operational knowledge
• A confident coach and leader who develops teams and reinforces accountability
• Tech savvy and naturally curious about automation, AI tools, and operational innovation
• Comfortable using data, dashboards, and metrics to drive decisions and improve performance
• Skilled at building strong relationships with dealers, vendors, lending partners, and internal stakeholders
• Adaptable, collaborative, and energized by continuous improvement

Required

• 5+ years of experience in consumer lending, underwriting, loan production, or centralized lending operations within a financial institution
• 2+ years of leadership or supervisory experience managing lending or underwriting teams
• Experience making consumer credit decisions and exercising lending authority
• Experience managing workflow, productivity, service levels, and operational performance in a high-volume environment

Preferred

• Experience with direct and indirect lending programs, including auto lending and lease products
• Experience with process improvement, workflow automation, or AI-enabled operational tools
• Bachelor’s degree in Business, Finance, or related field
• Bilingual English/Spanish skills

At Rize Credit Union, we’re building a modern, forward-thinking lending environment where innovation, collaboration, and member impact matter. We continue to invest in technology, automation, AI-enabled tools, and process improvement initiatives designed to create smarter workflows, stronger employee experiences, and more seamless…