Educational Federal Credit Union · 20 hours ago
Sr. Manager, Direct and Fintech Consumer Lending
Miami, FL
Full-time
Onsite
Senior LevelEducational Federal Credit Union is seeking a Senior Manager of Direct and Fintech Consumer Lending to lead the consumer lending operations. This role is responsible for overseeing departmental operations, ensuring lending goals are achieved while maintaining credit quality and compliance, and managing relationships with fintech partners.
CreditCredit BureauDebit CardsFinancial Services
Responsibilities
Directs and monitors all facets of lending operations and monitors progress on a regular basis that is consistent with the Credit Union’s strategic plan. This includes oversight of consumer portfolios, underwriting, lending compliance, quality assurance, and collateral tracking
Oversee daily operations of the direct and fintech consumer lending department, ensuring consistent execution of lending policies, procedures, and service standards
Manage staffing, workflows, and resource allocation to support loan volume, service levels, and turnaround time goals
Establish, monitor, and report on key performance indicators (KPIs) related to production, efficiency, credit quality, and member experience
Ensure department goals and objectives align with the credit union’s strategic plan and consumer lending strategy
Supports business and marketing initiatives to enhance loan production
Maintains lending vendors in accordance with timing and business needs. Recommends retention or any changes needed
Provide oversight of underwriting practices for auto loans, personal loans, and credit cards to ensure consistency, accuracy, and adherence to approved credit policies
Monitor loan decisioning, exceptions, and overrides to ensure appropriate risk controls are maintained
Partner with risk management and lending leadership to recommend updates to credit policy, pricing, and underwriting criteria based on portfolio performance and market conditions
Ensure underwriting and lending processes balance growth, risk, and member value
Approves / denies loan application requests including those for Credit Union employees
Serve as lending compliance subject matter expert with an emphasis on fair lending compliance, provide related guidance to management and assist with the ongoing development of compliance training to ensure the credit union is in full compliance with all lending laws and regulations
Ensure consumer lending operations comply with all applicable federal and state regulations, including but not limited to Fair Lending, UDAAP, ECOA, FCRA, TILA, and credit card–related regulatory requirements
Partner with Compliance, Risk, and Internal Audit teams to support examinations, audits, reviews, and issue remediation
Monitor portfolio trends, delinquency, losses, and exception reporting to identify and mitigate emerging risks
Ensure controls, documentation, and processes are maintained to support safe and sound lending practices
Serve as the primary relationship manager for fintech lending partners supporting consumer loan originations and servicing
Monitor partner performance against service-level agreements (SLAs), production goals, credit quality, and compliance expectations
Coordinate with internal teams to ensure fintech integrations, processes, and reporting meet operational and risk standards
Identify opportunities to optimize fintech partnerships to improve efficiency, scalability, and member experience
Responsible for hiring lending staff to include completing performance evaluations and development plans as necessary
Continuously evaluate lending workflows and systems to identify opportunities for automation, standardization, and process improvement
Lead or support initiatives to enhance operational efficiency, reduce cycle times, and improve data quality and reporting
Ensure procedures and documentation are current, accurate, and consistently followed across all lending channels
Lead, coach, and develop lending staff, fostering accountability, engagement, and continuous improvement
Collaborate with cross-functional teams including IT, Marketing, Finance & Accounting, Risk & Compliance, Digital Services, and Member Services to support lending initiatives
Provide regular reporting and updates to senior leadership on operational performance, risks, and improvement initiatives
Compile and analyze data to evaluate the current and future status of loan production, portfolio and performance
Performs other duties as assigned by management
Qualification
Required
Exceptional organizational skills
Expert skills in spreadsheet preparation
Excellent verbal and writing skills
Strong operational and analytical skills with the ability to interpret performance and risk data
Strong relationship management and communication skills
Strong business management skills
Proven leadership and team development capabilities
Thorough understanding of consumer credit risk and regulatory compliance
Ability to manage multiple priorities in a fast-paced lending environment
Computer skills
Company
Educational Federal Credit Union
Educational Federal Credit Union offers checking accounts, loans, insurance options, financial planning, digital wallet, and pupil services.
Founded in 1935
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Joe Suarez, MBA, CPA
SVP Finance/CFO
Karla Gabuardi
Sr. Talent Development Manager, NCCO, NCBSO
Recent News
2026-01-06
2025-10-14
2025-08-09
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