Cross River · 10 hours ago
VP, Lending
Wilmington, Delaware, United States
Full-time
Hybrid
Mid, Senior Level
$160K/yr - $220K/yr
7+ years expCross River is a financial technology company that builds infrastructure for innovative financial products. They are seeking a highly analytical VP of Lending to oversee marketplace lending and credit card origination, manage product offerings, and support credit risk and compliance initiatives.
BankingFinancial ServicesFinTech
Responsibilities
Review, manage and approve consumer loan and credit card product offerings, associated underwriting guidelines and exception requests
Supervise and oversee consumer loan and credit card product lifecycle from end-to-end (from application to extension of credit and disbursal of funds)
Help to support the Bank’s relationships with its consumer loan and credit card Fintech partners and loan services, as needed
Assist in developing and enhancing lending products in collaboration with cross‑functional teams
Support credit product specific risk research and establish product specific credit risk mitigants
Stay current on emerging credit products, lending technologies, risk modeling advancements, fraud trends, and FinTech market developments to inform strategic direction
Support execution of lending strategies aligned with business objectives, bank risk appetite and regulatory expectations
Support analyzing consumer lending portfolio performance, including trends in originations, losses, and profitability
Support building, maintaining, and interpreting dashboards, reports, and KPI tracking to monitor portfolio health
Support model governance initiatives and compliance requirements (e.g., SR 11‑7, CECL)
Assist in enhancing risk-based model oversight activities, monitoring, reports, and documentation
Contribute to updates and refinements of underwriting policies and credit strategies
Assist in developing and maintaining frameworks that score, rank, and prioritize potential partners based on revenue opportunity, risk exposure, operational readiness, and strategic alignment
Assist in evaluating fintech partners, origination platforms, and embedded finance opportunities
Prepare due diligence summaries, risk assessments, and recommendations for senior leadership
Conduct due diligence for prospective partners, customers, and lending programs, and assess the product design and data integrity
Assist with analyzing financial statements, bank statements, and cash‑flow data
Support initiatives aimed at automation, process improvement, use of alternative data, and improve use of internal data
Collaborate with internal stakeholders and external partners to strengthen operational and customer experience outcomes
Support ongoing regulatory compliance efforts, including TILA, ECOA, FCRA, AML/KYC, and state licensing requirements
Participate in audits, regulatory examinations, and risk assessments as required
Help maintain robust risk management frameworks across lending operations
Qualification
Required
Bachelor's degree in Finance, Economics, Business, Statistics, Data Analytics, or related field; MBA or advanced degree preferred
7+ years of experience in consumer lending, credit risk, financial analysis, or fintech‑related analytics roles
Strong knowledge of consumer credit products, digital lending platforms, and emerging technologies
Proven experience working with consumer loan and credit card originations and underwriting / credit models (development, validation, implementation, and monitoring) and with regulatory oversight of the models
Strong quantitative and analytical skills with expertise in Excel, SQL, Python, or other analytical tools
Proficiency in credit risk analytics, statistical modeling, and strong understanding of lending regulatory frameworks
Familiarity with risk management practices and lending regulatory frameworks
Excellent communication skills, with the ability to translate complex analyses into clear insights
Preferred
Experience in banking, fintech, or financial services
Company
Cross River
Cross River Bank provides technology infrastructure powering the future of financial services.
501-1000 employees
H1B Sponsorship
Cross River has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (5)
2024 (5)
2023 (3)
2022 (4)
2021 (2)
2020 (7)
Funding
Current Stage
Late StageTotal Funding
$908M2023-11-01Secondary Market
2022-03-30Series D· $620M
2020-05-11Debt Financing· $106M
Leadership Team
Gilles Gade
Founder, Chief Executive Officer, Chairman
C
Christopher Kelm
Chief Compliance Officer and Chief Operating Officer
Recent News
2026-01-21
2026-01-21
2026-01-21
Company data provided by crunchbase