Director, Direct Lending Products — Auto & Personal (Hybrid)

First Tech Federal Credit Union; Hillsboro (OR); Hybrid; USD 164,000 - 197,000; Full time

Benefits offered by this job

Medical, dental, vision coverage

401(k) match

Paid time off

Paid holidays

Employee lending product pricing perks

Job summary

First Tech Federal Credit Union seeks a Director of Product Management (Consumer Lending) to lead strategy and lifecycle for direct auto and personal loans. You’ll guide cross-functional teams across marketing, operations, and tech to optimize the borrowing journey and profitability.

The role emphasizes data-driven decision making, risk alignment, and strong leadership in a hybrid work model with substantial impact on member experience.

Qualifications

• 8+ years of progressive experience in consumer lending product management or program development.
• 4+ years leading a diverse team including hiring and performance management.
• Proven track record designing, launching, and optimizing direct lending products in financial institutions.
• Demonstrated success growing origination volume and profitability through digital first product strategies.
• Experience leading cross functional product initiatives involving underwriting, technology, operations, servicing, and marketing.
• Deep expertise in direct lending product design, pricing models, risk-based pricing, and program structuring.
• Strong understanding of consumer credit risk frameworks and portfolio analytics.
• Proficiency with product analytics, competitive intelligence, A/B testing, and performance dashboards.
• Innovative and strategic thinking translating market opportunities into successful direct lending products.

Responsibilities

• Build, mentor, and lead a high performing product and program management team.
• Lead the strategy, development, and management of direct lending products and programs to drive profitable growth through digital channels.
• Develop competitive product features and pricing strategies tailored to digital channels using market insights and data analytics.
• Oversee the product lifecycle for direct lending programs, focusing on direct auto lending experience.
• Collaborate with marketing, digital, and sales to create member journeys and acquisition strategies.
• Drive performance and profitability by monitoring origination volume, yield, delinquency, and costs.
• Ensure regulatory compliance and fair lending practices across all direct lending products.

Skills

Lending product mgmt

Team leadership

Direct lending

Digital lending strategy

Pricing models

Credit risk analytics

Product analytics

A/B testing

Cross-functional leadership

Regulatory compliance

Education

Bachelor's degree or higher in related field

Job description

First Tech Federal Credit Union seeks a Director of Product Management (Consumer Lending) to lead strategy and lifecycle for direct auto and personal loans. You’ll guide cross-functional teams across marketing, operations, and tech to optimize the borrowing journey and profitability.

The role emphasizes data-driven decision making, risk alignment, and strong leadership in a hybrid work model with substantial impact on member experience.