VP, Credit and Funding

About the Role

We are a leading national consumer finance company with a 15-year legacy of stability and success. Following our recent acquisition and the appointment of a new CEO, we are entering a transformative chapter, pivoting toward a high-growth, tech-forward, and entrepreneurial future. We are seeking a VP, Credit & Funding to lead the strategy, performance, and operational effectiveness of our Indirect Credit and Funding functions. This leader will oversee loan origination processes, credit policy execution, compliance, technology initiatives, and team development while ensuring an exceptional experience for our sales teams, dealership partners, and customers.

Responsibilities

• Lead the overall effectiveness and performance of Indirect Credit and Funding operations.
• Oversee loan origination processes, procedures, and documentation requirements to ensure operational excellence and regulatory compliance.
• Ensure compliance with internal lending policies, fair lending requirements, and applicable federal and state regulations.
• Manage and optimize loan origination systems, automated decisioning tools, and operational workflows.
• Partner with Risk, Collections, and Executive Leadership to develop, implement, and monitor strategic initiatives.
• Monitor portfolio performance metrics and emerging risk trends and proactively adjust underwriting guidelines as necessary.
• Establish, track, and report on key performance indicators (KPIs) to drive quality, efficiency, and service excellence.
• Lead technology and process improvement initiatives to enhance decision speed, scalability, and operational effectiveness.
• Manage departmental budgets and ensure responsible stewardship of company resources.
• Recruit, develop, mentor, and retain high-performing Credit and Funding teams.
• Serve as the escalation point for complex credit decisions and exception requests.
• Build and maintain executive-level relationships with Sales leadership, dealership partners, and key business stakeholders.
• Perform other duties as required or assigned.

Qualifications

• Minimum of 7-10 years of experience in the subprime automotive lending industry, including leadership experience within Credit, Underwriting, or Funding operations.
• Extensive knowledge of indirect auto lending, consumer underwriting, credit policies, lending regulations, dealer operations, and portfolio risk management.
• Demonstrated success leading and developing high-performing credit and funding teams.
• Strong ability to interpret business and portfolio performance data, identify trends, and drive strategic decisions.
• Experience managing loan origination systems, decisioning platforms, workflow automation, and process improvement initiatives.
• Exceptional leadership, collaboration, influencing, and executive communication skills.

Education

• Bachelor's degree required.
• MBA or equivalent graduate degree strongly preferred.

Schedule

Full-time position with flexibility to meet business and operational needs.

Location

This is a hybrid role based in our Tempe, AZ office.

Why Join Us?

This is a unique opportunity to join a company with a strong foundation that is investing heavily in technology, operational excellence, and future growth. As a key member of the leadership team, you will have the opportunity to influence strategy, lead transformational initiatives, develop exceptional talent, and help shape the future of our organization.