VP, Consumer Lending: Growth & Experience

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

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.