Vice President of Consumer Lending

Frontwave Credit Union; Oceanside (CA); On-site; USD 141,000 - 212,000; Full time

Job summary

Frontwave Credit Union in Oceanside, CA seeks a strategic Vice President of Consumer Lending to lead portfolio growth, elevate member value, and modernize lending across auto, cards, and other consumer products.

Reporting to the SVP/Chief Lending Officer, you will guide underwriting, risk management, analytics, and cross-channel lending operations while building high-performing teams and delivering strong financial performance.

Qualifications

• Strong experience growing and managing a consumer loan portfolio within a financial institution or fintech environment.
• Deep knowledge of auto lending, indirect lending, credit cards, unsecured lending, solar loans, and other secured consumer products.
• Ability to balance loan growth, credit quality, member value, and financial performance.
• Experience leading multi-channel lending operations and improving the member and employee experience.
• Strong understanding of underwriting, credit risk, pricing, portfolio analytics, regulatory compliance, and lending operations.

Responsibilities

• Oversee a broad consumer lending portfolio across auto, credit cards, unsecured loans, solar, and lifestyle lending.
• Drive portfolio growth, profitability, service quality, and credit quality across all channels.
• Lead high-performing teams, develop people, and build accountability.
• Modernize lending delivery and implement data-driven lending strategies.
• Ensure compliance, pricing discipline, and effective use of loan origination systems.

Skills

Loan portfolio growth

Credit risk analytics

Multi-channel lending

Leadership & people development

Executive communication

Regulatory compliance

Data-driven lending

Underwriting

Tools

Loan origination systems

Automated decision engines

Job description

At Frontwave Credit Union, the mission is simple and powerful: We make financial dreams come true.

That is why we are seeking a strategic Vice President of Consumer Lending to lead portfolio growth, strengthen member value, and elevate the lending experience across all channels.

Reporting to the SVP/Chief Lending Officer, this leader will oversee a broad consumer lending portfolio, including auto, credit cards, unsecured loans, solar, recreational vehicles, motorcycles, and other lifestyle lending solutions. The role will focus on sustainable growth, strong financial performance, operational excellence, and responsible risk management.

The ideal leader brings both strategy and execution, with the ability to grow market share, modernize lending delivery, lead high-performing teams, and balance growth, profitability, service, and credit quality.

What Frontwave Is Looking For

• Strong experience growing and managing a consumer loan portfolio within a financial institution or fintech environment.
• Deep knowledge of auto lending, indirect lending, credit cards, unsecured lending, solar loans, and other secured consumer products.
• The ability to balance loan growth, credit quality, member value, and financial performance.
• Experience leading multi-channel lending operations and improving the member and employee experience.
• Strong understanding of underwriting, credit risk, pricing, portfolio analytics, regulatory compliance, and lending operations.
• Experience with loan origination systems, automated decision engines, and data-driven lending strategies.
• A track record of developing people, building accountability, and leading collaborative, high-performing teams.
• Strong executive presence, communication skills, and the ability to influence across the organization.

Why This Role Matters

Consumer lending is a major part of how Frontwave helps members move forward. Whether members are buying their first car, managing life’s unexpected expenses, investing in their homes, or building stronger financial futures, this leader will help ensure Frontwave is ready with the right products, the right experience, and the right guidance.

This is a role for someone who wants to do more than manage a department. It is for a leader who wants to build, improve, grow, and make a lasting impact.

Compensation: $141,024 – $211,536 Depending on Experience

ABOUT FRONTWAVE CREDIT UNION

Frontwave Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Oceanside, California. Founded in 1952 as Camp Pendleton Federal Credit Union, the organization originally served Marines, sailors, and civilian employees in Southern California and has since grown into a broader community credit union serving San Diego, Riverside, and San Bernardino counties.