数字贷款总经理
General Manager, Digital Lending
公司简介
A Prospect Capital旗下公司，是全国领先的以实体网点为基础的消费贷款提供商，为非优质客户提供服务。该公司正在寻找一位具有创业精神和结果导向的领导者，以构建并扩展其数字贷款平台。
这是一个独特的机会，可以利用现有网点业务的实力、盈利能力和运营专长，同时打造一流的在线贷款渠道。该职位将获得高度可见性，直接接触高级管理层，并有机会塑造公司的未来增长战略。
直接向执行领导团队成员汇报，数字贷款总经理将负责在线贷款业务的增长、盈利能力和战略方向。
职位概述
数字贷款总经理将担任公司在线贷款渠道的业务负责人，对放款增长、组合表现、客户获取经济性、客户体验和整体盈利能力负责。
成功的候选人将结合非优质消费者贷款的专业知识与对数字营销、信用策略、欺诈缓解和运营执行的深刻理解。该人士将与信用、技术、运营、财务和合规团队跨职能合作，以增长在线贷款平台。
主要职责
- 负责在线贷款业务的战略方向、运营表现和盈利能力。
- 制定并执行一项多年增长战略，补充并增强公司的网点贷款业务。
- 在整个客户生命周期中建立绩效目标和关键指标，包括获客、转化率、审批率、欺诈损失、逾期表现、服务结果和客户留存率。
- 与信用和风险领导层合作，优化承销策略、信用政策、定价和组合表现。
- 与市场团队合作，通过数字渠道高效获取客户，包括付费搜索、线索聚合商、联盟合作伙伴、直邮整合和其他新兴渠道。
- 与技术和产品团队紧密合作，提升在线客户旅程，简化申请和资金流程，并提高数字转化率。
- 与欺诈团队合作，制定和实施有效的欺诈检测和缓解策略。
查看英文原文
About the Company
A Prospect Capital portfolio company and one of the nation's leading branch-based consumer installment lenders serving non-prime borrowers through an extensive network of physical locations. The Company is seeking an entrepreneurial and results-oriented leader to build and scale its digital lending platform.
This is a unique opportunity to leverage the strength, profitability, and operational expertise of an established branch business while creating a best-in-class online lending channel. The role offers significant visibility, direct access to senior leadership, and the opportunity to shape the future growth strategy of the organization.
Reporting directly to a member of the executive leadership team, the General Manager, Digital Lending will own the growth, profitability, and strategic direction of the online lending business.
Position Summary
The General Manager, Digital Lending will serve as the business leader for the Company's online lending channel, with accountability for originations growth, portfolio performance, customer acquisition economics, customer experience, and overall profitability.
The successful candidate will combine expertise in non-prime consumer lending with a strong understanding of digital marketing, credit strategy, fraud mitigation, and operational execution. This individual will work cross-functionally with Credit, Technology, Operations, Finance, and Compliance teams to grow an online lending platform.
Key Responsibilities
- Own the strategic direction, operating performance, and profitability of the online lending business.
- Develop and execute a multi-year growth strategy that complements and enhances the Company's branch-based lending operations.
- Establish performance objectives and key metrics across the customer lifecycle, including acquisition, conversion, approval rates, fraud losses, delinquency performance, servicing outcomes, and customer retention.
- Partner with Credit and Risk leadership to optimize underwriting strategies, credit policies, pricing, and portfolio performance.
- Collaborate with Marketing teams to drive efficient customer acquisition through digital channels, including paid search, lead aggregators, affiliate partnerships, direct mail integration, and other emerging channels.
- Work closely with Technology and Product teams to enhance the online customer journey, streamline application and funding processes, and improve digital conversion rates.
- Partner with Fraud and Operations teams to strengthen fraud prevention capabilities while maintaining a seamless customer experience.
- Collaborate with Servicing and Collections leaders to improve repayment outcomes and maximize customer lifetime value.
- Build, develop, and lead a high-performing cross-functional team dedicated to the online lending channel.
- Establish reporting disciplines, governance processes, and regular executive updates to ensure rigorous performance management.
- Serve as the executive champion for innovation and continuous improvement within the digital lending business.
Qualifications
- 10+ years of progressive experience within consumer lending, with substantial experience in the non-prime segment.
- Demonstrated success building, scaling, or leading a profitable online installment lending business.
- Direct experience with online underwriting, credit strategy, and portfolio management in a digital lending environment.
- Strong understanding of digital customer acquisition, including paid search, lead generation, affiliate marketing, direct mail integration, and channel economics.
- Experience managing or influencing fraud strategy, identity verification processes, and digital risk controls.
- Proven ability to lead cross-functional teams and influence stakeholders across Credit, Marketing, Operations, Technology, and Compliance functions.
- Strong analytical orientation with experience using data and performance metrics to drive business decisions.
- Executive presence with the ability to communicate effectively with senior leadership and boards of directors.
- Experience in organizations operating both branch and online lending models is strongly preferred.
The anticipated annual base salary range for this position is $200,000-$275,000, with eligibility for a performance-based annual incentive program. The compensation package may also include long-term incentive opportunities commensurate with experience and demonstrated success. Actual pay may be adjusted based on experience and performance.
*The position may be fully remote or hybrid, depending on candidate location and business needs.
Originally posted on Himalayas