Vice President of Consumer Lending

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

Job summary

Frontwave Credit Union seeks a strategic Vice President of Consumer Lending to lead portfolio growth, strengthen member value, and elevate the lending experience across channels.

Reporting to the SVP/Chief Lending Officer, the leader will oversee auto, credit cards, unsecured loans, solar and other lifestyle lending, driving sustainable growth, strong financial performance, operational excellence, and responsible risk management while developing high-performing teams and a clear lending strategy.

Qualifications

• Experience leading consumer lending portfolios within a financial institution or fintech.
• Deep knowledge of auto lending, credit cards, unsecured lending and solar loans.
• Ability to balance loan growth, credit quality, member value and financial performance.
• Experience with multi-channel lending operations and improving member/employee experience.
• Strong understanding of underwriting, credit risk, pricing, portfolio analytics, regulatory compliance and lending operations.
• Experience with data-driven lending strategies and decision engines.

Responsibilities

• Lead portfolio growth and strengthen member value across all lending channels.
• Oversee a broad consumer lending portfolio including auto, credit cards, unsecured and solar lending.
• Drive sustainable growth, strong financial performance, operational excellence and responsible risk management.
• Grow market share, modernize lending delivery and build high-performing teams while balancing growth, profitability, service and credit quality.

Skills

Consumer lending

Auto lending

Credit cards

Unsecured lending

Solar loans

Portfolio analytics

Regulatory compliance

Leadership

Lending operations

Education

Bachelor's degree in finance or related field

Tools

Loan origination systems

Automated decision engines

Job description

Vice President of Consumer Lending

Frontwave Credit Union

Oceanside, CA

VICE PRESIDENT OF CONSUMER LENDING
Frontwave Credit Union
$1.7B Assets
Oceanside, California

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.

ABOUT DDJ MYERS, an ALM First Company

DDJ Myers is the executive search consultant for this organization. Our expertise is in supporting leadership teams in sustainable practices for high-performing organizations through succession planning, leadership development programs, executive coaching, board governance and renewal, and executive search. Please learn more at www.ddjmyers.com.

Job Position Type Executive Application Deadline Nov. 30, 2026