Lending Ops Manager - Consumer/Indirect/Digital
Summary
Lead and optimize consumer, indirect, and digital lending operations, including loan processing, compliance, risk mitigation, and team management. Requires 7+ years in lending operations, 3+ years in leadership, and U.S. work authorization without sponsorship.
Highlights
- Experience
- 7+ years; 3+ years in management
- Certifications
- NACHA or ACAMS are a plus
- Type
- Full-Time
- Education
- Bachelor's in Finance, Business, or related
Job description
Lending Ops Manager - Consumer/Indirect/Digital
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity or expression, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, status as a crime victim, disability, protected veteran status, or any other characteristic protected by law. Our hiring process includes AI screening for keywords and minimum qualifications, and a virtual recruiter as part of the application process. A human recruiter reviews all results. Click here for details on our virtual recruiter . Everforth CyberCoders will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable state and local law, including but not limited to the Los Angeles County Fair Chance Ordinance, the San Francisco Fair Chance Ordinance, and the California Fair Chance Act. Everforth CyberCoders is committed to working with and providing reasonable accommodation to individuals with physical and mental disabilities. Individuals needing special assistance or an accommodation while seeking employment can contact a member of our Human Resources team at Benefits@CyberCoders.com to make arrangements.
Lending Operations Manager
Job Title: Lending Operations Manager
Salary:$100 - $150K+/yr
Location: Memphis, TN
Were a member-focused financial institution built on trust, stability, and service. For decades, we have helped individuals and businesses reach their financial goals through comprehensive banking solutions, modern digital tools, and a personal, relationship-driven approach. Our success is rooted in a strong people-first culture, a commitment to doing the right thing, and a focus on long-term growth for both our members and our employees.
Position Overview
We are seeking a Lending Operations Manager to lead and optimize day-to-day lending operations across consumer, indirect, and digital channels. The role is responsible for ensuring efficient loan processing, compliance, risk mitigation, and exceptional customer experience while driving process improvements and partnering with product, credit, and technology teams to scale lending operations and support growth in credit cards and other consumer lending products.
Key Responsibilities
Position Overview
We are seeking a Lending Operations Manager to lead and optimize day-to-day lending operations across consumer, indirect, and digital channels. The role is responsible for ensuring efficient loan processing, compliance, risk mitigation, and exceptional customer experience while driving process improvements and partnering with product, credit, and technology teams to scale lending operations and support growth in credit cards and other consumer lending products.
Key Responsibilities
- Oversee end-to-end lending operations for consumer loans, indirect lending (dealer/channel relationships), digital lending platforms, and credit card products.
- Manage loan origination, underwriting support, documentation, servicing, funding, and portfolio maintenance to ensure accuracy, timeliness, and regulatory compliance.
- Develop and implement operational policies, procedures, and controls to mitigate risk, ensure compliance with federal/state regulations, and maintain audit readiness.
- Lead, mentor, and grow a high-performing operations team, including hiring, coaching, performance management, and capacity planning.
- Partner with credit, fraud, product, IT, and vendor partners to resolve operational issues, streamline workflows, and implement automation and digital solutions.
- Monitor operational performance metrics (turnaround times, quality, error rates, charge-offs, delinquency trends) and present actionable insights to senior leadership.
- Drive continuous improvement initiatives, process re-engineering, and technology adoption to increase efficiency and scale operations.
- Manage relationships with third-party service providers and indirect channel partners, negotiating SLAs and ensuring service quality.
- Coordinate responses to regulatory exams, internal audits, and customer complaints related to lending operations.
- Own change management for new product launches, system migrations, and major process changes to minimize business disruption.
Qualifications
- Bachelors degree in Finance, Business Administration, or related field; MBA or equivalent advanced degree preferred.
- 7+ years of experience in lending operations, with at least 3 years in a management or leadership role supporting consumer lending, indirect lending, and/or credit card operations.
- Demonstrated experience with digital lending platforms, online origination workflows, and implementing automation or process improvements.
- Strong knowledge of consumer lending regulations, credit adjudication, underwriting processes, and risk management best practices.
- Experience managing vendor relationships and indirect channel partners (dealers, brokers) and familiarity with indirect loan lifecycle.
- Proven ability to analyze operational metrics, drive root-cause analysis, and implement corrective actions to improve quality and efficiency.
- Excellent leadership, communication, and stakeholder management skills with experience working cross-functionally with product, credit, compliance, and technology teams.
- Proficiency with loan origination systems (LOS), servicing platforms, and MS Excel; familiarity with data visualization tools and basic SQL is a plus.
- Certifications in banking, compliance, or lending operations (e.g., NACHA, ACAMS) are a plus.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity or expression, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, status as a crime victim, disability, protected veteran status, or any other characteristic protected by law. Our hiring process includes AI screening for keywords and minimum qualifications, and a virtual recruiter as part of the application process. A human recruiter reviews all results. Click here for details on our virtual recruiter . Everforth CyberCoders will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable state and local law, including but not limited to the Los Angeles County Fair Chance Ordinance, the San Francisco Fair Chance Ordinance, and the California Fair Chance Act. Everforth CyberCoders is committed to working with and providing reasonable accommodation to individuals with physical and mental disabilities. Individuals needing special assistance or an accommodation while seeking employment can contact a member of our Human Resources team at Benefits@CyberCoders.com to make arrangements.
Salary
$90000 - $150000 USD per year