Director, Consumer Lending & Fintech Growth

Educational Federal Credit Union

Texas

On-site

USD 140,000 - 210,000

Full time

3 days ago

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Job summary

Educational Federal Credit Union is seeking a Director of Consumer Lending to lead auto loans, personal loans, and credit cards across direct and fintech-enabled channels. The role focuses on performance, credit quality, regulatory compliance, and an exceptional member experience.

Reporting to senior leadership, you will shape the lending strategy, manage cross-functional teams, and drive automation and platform optimization with fintech partners to enable scalable growth while maintaining risk

Qualifications

Proven leadership in financial services or credit union lending operations.
Strong knowledge of consumer lending regulations and risk management.
Experience improving lending processes and automation.

Responsibilities

Directs and monitors all facets of lending operations including portfolios, underwriting, and compliance.
Oversees daily operations of direct and fintech lending channels and staffing.
Establishes and reports KPIs related to production, efficiency, credit quality, and member experience.
Manages relationships with fintech partners and ensures SLAs and risk controls.
Ensures lending operations comply with federal and state regulations (Fair Lending, ECOA, FCRA, TILA).
Identifies opportunities to optimize partnerships and drive scalable, automated lending processes.