Director of Consumer Finance

As Director of Consumer Finance, you will have overall responsibility for consumer financing programmes across the organisation. You will manage existing lender relationships while identifying new banking, credit union and fintech partners that can strengthen the company's financing proposition.

What You Will Do

Responsibilities will include: owning the company's consumer lending and financing programmes across multiple home improvement product categories, managing and developing relationships with third-party lenders, banks, credit unions and fintech financing providers, negotiating rates, lending terms and dealer fees, evaluating new financing partners and products, monitoring approval rates, DSO, delinquency, defaults and overall portfolio performance.

Why It Might Be a Fit

This is an opportunity to join a well-established, successful and growing US business where consumer financing has a direct impact on revenue, customer acquisition and future growth. You will have the opportunity to shape financing strategy, strengthen lender partnerships, improve the customer financing journey and work directly with senior leadership.

Requirements

• 7+ years' progressive experience within consumer finance, lending or a related financial leadership position
• Direct experience managing relationships with lenders and/or fintech financing providers
• Strong knowledge of consumer credit underwriting and structured finance models
• Experience negotiating lender terms, rates and dealer fees
• A strong understanding of financing performance metrics and portfolio risk
• Knowledge of US consumer lending compliance, including TILA, Regulation Z and state-level lending requirements
• The ability to analyse loan performance and identify opportunities to improve approval and funding processes
• Excellent commercial, negotiation and relationship-management skills
• Confidence working directly with executive leadership and presenting financing performance at senior level

Benefits

• $120,000 – $150,000 base salary
• Highly competitive bonus
• $5,000 relocation package available
• Primarily office-based, 5 days per week with some flexibility