Vice President of Consumer Lending - Frontwave Credit Union (Oceanside, CA)

Cutoday USA; Oceanside (CA); On-site; USD 210,000 - 320,000; Full time

Job summary

Frontwave Credit Union in Oceanside, CA seeks a Vice President of Consumer Lending to lead and grow a diversified consumer loan portfolio, including auto, credit cards, unsecured, solar, and lifestyle lending. This executive will drive strategy, risk management, and operational excellence across lending channels.

The role requires proven leadership, deep credit knowledge, and the ability to balance growth with credit quality and member value while 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 member and employee experience.
• Strong underwriting, credit risk, pricing, portfolio analytics, regulatory compliance, and lending operations knowledge.
• Experience with loan origination systems, automated decision engines, and data-driven lending strategies.
• 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.

Responsibilities

• Provide strategic direction and execution to grow the consumer lending portfolio while maintaining strong credit quality.
• Oversee lending delivery modernization and multi-channel channel strategies to improve member experience.
• Lead and develop high-performing teams across lending functions and geographies.
• Balance growth, profitability, service levels, and risk to optimize overall financial performance.

Job description

Vice President of Consumer Lending - Frontwave Credit Union (Oceanside, CA)

Type: Full Time

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.
• 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.

Responsibilities:

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.

Location: Oceanside , California

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.