SVP, Consumer Lending - Auto & Marine Finance

Axos Bank; San Diego (CA); On-site; USD 180,000 - 210,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Paid Vacation/Leave

Job summary

Axos Bank seeks a Senior Vice President of Consumer Lending for Auto and Marine Finance in San Diego. You will oversee growth, profitability, and portfolios across Auto and Marine lending, building go-to-market strategies and leading a field sales team across dealer channels.

The role requires 12+ years in consumer lending with significant P&L ownership, strong leadership, and cross-functional collaboration in a regulated banking environment.

Qualifications

• Bachelor's degree
• 12+ years in consumer lending, including 7+ years in senior leadership with P&L ownership
• Deep indirect/dealer or retail partner lending experience
• A track record of leading field-based sales teams and scaling partner channels
• Command of credit, pricing, and portfolio management
• Proven growth through partner channels, not just market tailwinds
• Strong leadership, communication, and cross-functional collaboration skills
• Experience in a regulated banking environment preferred

Responsibilities

• Full P&L performance across Auto and Retail Marine Lending, including growth, credit quality, and profitability
• Indirect Auto growth through dealer relationships-network coverage, penetration, and look-to-book
• Retail Marine partnership expansion and embedded point-of-sale financing
• A national field sales team, and the production, coverage, and accountability standards that drive it
• Growth strategy and execution across both business lines
• Underwriting discipline and portfolio health, in partnership with Credit and Risk
• Dealer- and retailer-facing capability roadmap, in partnership with Product and Technology
• Performance and strategy reporting to executive leadership

Skills

Leadership

Sales leadership

Credit & risk

Pricing

Portfolio management

Partner channels

Cross-functional collaboration

Communication

Education

Bachelor's degree

Job description

Axos Bank Target Range: $180,000.00/Yr. - $210,000.00/Yr. Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education. Eligible for an Annual Discretionary Cash Bonus Target: 17.5% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 17.5% These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

The SVP, Consumer Lending- Auto and Marine Finance oversees the growth, strategic, operational, and P&L performance of Auto Lending and Retail Marine. You will be responsible for developing and executing distinct go-to-market strategies for each business, and your commitment to results, hard work, teamwork, and dedication will be critical to success. Auto and Marine Finance are key business units within Axos Consumer Lending. Both operate in a fast-paced, results-driven culture, and this role is fully accountable for growth, production, P&L results, quality, and portfolio KPIs. Both businesses are built on indirect channels, and both win the same way: through relationships, consistency, reliability, and innovation. Performance depends on execution - innovative products, dynamic pricing, fast credit decisions, clean funding, and a field team that dealers and retailers rely on.

About Axos

Axos Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We're a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers. Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol \"AX\" (NYSE: AX). Learn more about working at Axos.

Responsibilities

Full P&L performance across Auto and Retail Marine Lending, including growth, credit quality, and profitability Indirect Auto growth through dealer relationships-network coverage, penetration, and look-to-book Retail Marine partnership expansion and embedded point-of-sale financing A national field sales team, and the production, coverage, and accountability standards that drive it Growth strategy and execution across both business lines Underwriting discipline and portfolio health, in partnership with Credit and Risk Dealer- and retailer-facing capability roadmap, in partnership with Product and Technology Performance and strategy reporting to executive leadership

Qualifications

Bachelor's degree 12+ years in consumer lending, including 7+ years in senior leadership with P&L ownership Deep indirect/dealer or retail partner lending experience A track record of leading field-based sales teams and scaling partner channels Command of credit, pricing, and portfolio management Proven growth through partner channels, not just market tailwinds Strong leadership, communication, and cross-functional collaboration skills Experience in a regulated banking environment preferred

Axos Employee Benefits

• 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

Pre-Employment Background Check and Drug Test

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Equal Employment Opportunity

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc. The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

E-Verify and Right to Work Notices

Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States. The E-Verify program is an internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. IER Right to Work Poster (English/Spanish) E-Verify Participation Poster (English/Spanish)

We're a team of relentless innovators that are challenging the status quo through smart, pro-consumer financial products and services. We got our start in 2000, as an online bank - when the idea of banking online was almost unthinkable. Since then, we've evolved to add commercial banking, commercial lending, investment, clearing, and fiduciary services to our toolbox. As modern life continues to present new challenges for clients, we step up and find creative ways to solve them.