VP, Consumer Lending - AI-Driven Growth & Member Experience

Redwood Credit Union; California; On-site; USD 179,000 - 211,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

Performance incentive plan

401(k) with employer match

Paid time off

Job summary

Redwood Credit Union seeks a Vice President of Consumer Lending to lead the strategic plan and direct all consumer lending activities across auto, personal, credit card, and indirect lending. This role emphasizes digital-first experiences, technology modernization, and data-driven personalization to grow the business while controlling loan losses.

The ideal candidate will oversee origination, underwriting, pricing, and portfolio management, while leveraging AI and analytics to optimize borrower

Qualifications

• Thorough knowledge of consumer lending methods, practices, and services.
• Strong knowledge of laws, rules, and regulations pertaining to consumer lending.
• Technology fluency and comfort with AI/evolving tech in lending processes.
• Experience leading a multi-unit lending organization and interfacing with boards/committees.

Responsibilities

• Lead all consumer loan activities: origination, processing, underwriting, and closing/funding of loans and credit cards.
• Design and execute lending strategies to increase member engagement and product adoption.
• Collaborate with Marketing and branch teams on referrals and member pricing initiatives.
• Partner with IT/data teams to build lending automation and real-time decisioning with AI-driven tools.
• Own the end-to-end borrower experience and vendor relationships (e.g., SavvyMoney, MeridianLink, CU Direct).
• Monitor portfolio performance, compliance, and reporting to SLT/Board.

Skills

Negotiation

Public speaking

Analytical skills

Change management

Travel

Education

Bachelor's degree in business administration/finance

Tools

AI/ML in lending

Job description

Redwood Credit Union seeks a Vice President of Consumer Lending to lead the strategic plan and direct all consumer lending activities across auto, personal, credit card, and indirect lending. This role emphasizes digital-first experiences, technology modernization, and data-driven personalization to grow the business while controlling loan losses.

The ideal candidate will oversee origination, underwriting, pricing, and portfolio management, while leveraging AI and analytics to optimize borrower