FVP, Unsecured Consumer Lending

Axos Bank; San Diego (CA); On-site; USD 210,000 - 320,000; Full time

Benefits offered by this job

Medical, Dental, Vision, and Life

Paid time off & holidays

HSA or FSA benefits

401(k) with employer match & 529 plan

Employee Mortgage Loan Program & bank+

Job summary

Axos Bank is seeking a First Vice President for Unsecured Consumer Lending to lead a growth-focused business unit in San Diego. You will drive profitability, optimize loan origination, and elevate the customer experience through data-driven strategies and scalable programs.

Join a collaborative team that partners across Retail Credit, Marketing, Compliance, Product, Banking, and Technology to deliver high-quality, profitable loan production while maintaining rigorous risk management and

Qualifications

• Bachelor's degree in Business, Finance, or related field (Advanced degree is a plus).
• 5+ years in consumer lending, unsecured lending, or related financial services with a track record of growth.
• Data and analytics-driven to inform strategy, targets, and continuous improvement.
• Strong leadership with cross-functional influence across credit/risk, marketing, product, banking ops, and technology.
• Excellent communication and presentation skills with executives and technical teams.
• Thrives in a fast-paced, innovative lending environment with a focus on customer experience.

Responsibilities

• Own production results and profitability for the unsecured lending unit.
• Identify strategic opportunities for growth and optimization of loan products.
• Develop and refine the personal loan offer framework to improve conversion and profitability.
• Collaborate with Retail Credit, Marketing, Compliance, Product, Banking, and Technology teams.
• Ensure operational excellence and compliance across loan issuance and partnerships.
• Lead performance reviews and provide data-driven insights to senior leadership.

Skills

Leadership

Data-driven

Cross-functional

Communication

Influence stakeholders

Strategic leadership

Fast-paced environment

Education

Bachelor's in Business/Finance/related

Advanced degree (a plus)

Job description

The First Vice President (FVP) of Unsecured Consumer Lending serves as the business unit leader responsible for driving growth, performance, profitability, lead optimization, operational efficiency, and customer experience. This role leads the development and execution of strategies to deepen engagement with existing customers, enhance loan origination efficiency, and deliver high-quality, profitable loan production. The ideal candidate is a strategic, data-driven leader with deep expertise in consumer lending and a passion for building scalable, customer-centric programs.

Responsibilities:

• Production Results and Business Unit Profitability: Accountable for business unit production and financial results.
• Strategic Leadership and Execution: Identity and recommend strategic opportunities for growth and optimization of our Unsecured Loan products. Translate strategic priorities into actionable plans to achieve loan origination volume and customer engagement targets.
• Product & Program Management: Develop and refine the personal loan offer framework, enhancing personalization, eligibility criteria, and customer experience to improve conversion rates and profitability. Utilize testing, analytics, and innovation to continuously optimize offer performance and funnel efficiency.
• Cross-Functional Collaboration: Partner closely with Retail Credit, Marketing, Compliance, Product, Banking, and Technology teams to align on goals, performance metrics, forecasts, and portfolio objectives. Ensure a seamless, member-centric experience throughout the loan issuance and offer lifecycle by fostering strong cross-departmental collaboration.
• Operational Excellence & Compliance: Ensure operational excellence in all loan issuance processes and third-party partner integrations. Maintain strict compliance with all regulatory and policy requirements, upholding high standards of quality and risk management.
• Performance Reporting: Lead regular business reviews and performance updates with senior leadership. Provide data-driven insights and recommendations to inform decision-making and identify opportunities for accelerating growth and improving portfolio performance.

Qualifications:

• Bachelor's degree in Business, Finance, or a related field is preferred (Advanced degree is a plus.)
• 5+ years of experience in consumer lending, unsecured lending, or a closely related financial services field, with a track record of driving product or portfolio growth.
• Demonstrated ability to use data and analytics to inform strategy, set performance targets, and drive continuous improvement.
• Strong leadership skills with experience managing projects or teams. Proven ability to work cross-functionally and influence stakeholders in areas such as credit/risk, marketing, compliance, product management, banking operations, and technology.
• Excellent communication and presentation skills, with the ability to articulate insights and strategies to both technical teams and senior executives.
• Ability to thrive in a fast-paced, dynamic environment. A passion for innovation and delivering a superior customer experience in lending.

Axos Employee Benefits May Include:

• Medical, Dental, Vision, and Life Insurance
• Paid Sick Leave, 3 weeks' Vacation, and Holidays (about 11 a year)
• HSA or FSA account and other voluntary benefits
• 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
• Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading