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Consumer Lending Manager Jobs (NOW HIRING)

Axos Bank

SVP, Consumer Lending

San Diego, CA · On-site

$180K - $210K/yr

About This Job The SVP, Consumer Lending is the executive leader with full P&L ownership across ... Manage Unsecured Lending digital performance, including application funnel conversion and customer ...

Axos Bank

FVP, Unsecured Consumer Lending

San Diego, CA · On-site

$115K - $140K/yr

Product & Program Management: Develop and refine the personal loan offer framework , enhancing ... consumer lending, unsecured lending, or a closely related financial services field, with a track ...

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Consumer Lending Manager information

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$46.5K

$107.6K

$202.5K

How much do consumer lending manager jobs pay per year?

As of Jul 25, 2026, the average yearly pay for consumer lending manager in the United States is $107,556.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,000.00 and $131,000.00 per year, depending on experience, location, and employer.

What is the difference between Consumer Lending Manager vs Loan Officer?

AspectConsumer Lending ManagerLoan Officer
ResponsibilitiesOversees consumer loan portfolios, manages lending teams, develops lending strategiesAssesses loan applications, approves or denies loans, interacts directly with borrowers
CredentialsBachelor's degree, experience in lending, sometimes relevant certificationsBachelor's degree often preferred, relevant licensing or certifications may be required
Work EnvironmentBank branches, lending departments, managerial settingsBank branches, mortgage or loan offices, direct customer interaction
Industry UsageCommon in banking and financial institutions for leadership rolesCommon in retail banking, mortgage companies, and credit unions for direct lending

The main difference is that a Consumer Lending Manager oversees the lending process and manages teams, while a Loan Officer directly evaluates and approves individual loan applications. The manager focuses on strategy and team leadership, whereas the loan officer handles customer interactions and loan assessments.

What are some common challenges Consumer Lending Managers face when balancing loan growth and credit risk?

Consumer Lending Managers often navigate the challenge of achieving loan growth targets while maintaining prudent credit risk standards. This means carefully assessing applicants, ensuring compliance with lending policies, and adapting strategies to changing market conditions. Additionally, they must lead teams to deliver excellent customer service and resolve borrower issues, all while monitoring portfolio performance. Success in this role requires strong analytical skills, risk management expertise, and the ability to communicate effectively with both staff and senior management.

What does a Consumer Lending Manager do?

A Consumer Lending Manager oversees the process of providing loans to individual consumers, such as personal loans, auto loans, and credit lines. They manage a team of loan officers, ensure compliance with lending regulations, and develop strategies to meet lending targets. Their responsibilities also include evaluating loan applications, assessing credit risk, and maintaining relationships with clients. By guiding the lending team and optimizing processes, they help ensure both customer satisfaction and the financial health of the organization.

What are the key skills and qualifications needed to thrive as a Consumer Lending Manager, and why are they important?

To thrive as a Consumer Lending Manager, you need a solid understanding of lending regulations, credit analysis, and financial products, typically supported by a bachelor’s degree in finance or a related field. Familiarity with loan origination systems, credit scoring software, and regulatory compliance tools is essential. Strong leadership, communication, and customer service skills help build high-performing teams and foster positive client relationships. These competencies ensure sound lending decisions, regulatory compliance, and sustained business growth in a competitive financial environment.

What Does a Consumer Lending Manager Do?

As a consumer lending manager, your job is to supervise the approval of loans at a bank or credit union. This includes balancing how many loans are given out, deciding when to approve or deny requests from consumers, and ensuring the bank follows all lending regulations. Consumer lending managers also help to improve the operation of a lending company by looking for ways to attract better customers, drive sales of the bank's other products and services, and increase the rate of repayments from customers. At some lending institutions, you may be asked to create offers for select customers or support groups with which the bank is negotiating. For example, your bank may offer faster approval of car loans as a perk for customers who work at a particular company.

More about Consumer Lending Manager jobs
What cities are hiring for Consumer Lending Manager jobs? Cities with the most Consumer Lending Manager job openings:
What are the most commonly searched types of Consumer Lending jobs? The most popular types of Consumer Lending jobs are:
Who are the top companies hiring for Consumer Lending Manager jobs? The top employers for Consumer Lending Manager jobs are:
What states have the most Consumer Lending Manager jobs? States with the most job openings for Consumer Lending Manager jobs include:
What job categories do people searching Consumer Lending Manager jobs look for? The top searched job categories for Consumer Lending Manager jobs are:
Consumer Lending Manager jobs near you
Infographic showing various Consumer Lending Manager job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 81% Full Time, 17% Part Time, and 1% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $107,556 per year, or $51.7 per hour.
SVP, Consumer Lending

SVP, Consumer Lending

Axos Bank

San Diego, CA • On-site

$180K - $210K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 14 days ago

Job description

Axos Bank
Target Range:
$180,000.00/Yr. - $210,000.00/Yr.
Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.
Eligible for an Annual Discretionary Cash Bonus Target: 17.5%
Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 17.5%
These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.
About This Job
The SVP, Consumer Lending is the executive leader with full P&L ownership across three distinct lending verticals, Auto, Marine, and Unsecured, each with unique go-to-market models. The role requires a versatile leader who can drive performance across decentralized, relationship-based sales channels and direct-to-consumer digital platforms.
Auto and Marine Lending rely on field-based sales and embedded retail partnerships, requiring strong dealer/retailer relationship management and leadership of distributed national teams. Unsecured Lending operates through a digital, direct-to-consumer model focused on origination funnel performance and customer engagement.
This leader must effectively span field sales, B2B partnerships, and digital product optimization while delivering unified financial performance and operational excellence across all three businesses.
Responsibilities:
  • Own full P&L performance across Auto, Marine, and Unsecured Lending, including growth, credit quality, and profitability
  • Lead and scale indirect Auto and Marine channels through dealer and retail partner relationships
  • Oversee a national field sales team and drive production, coverage, and performance
  • Grow Marine retail partnerships and expand embedded financing opportunities
  • Manage Unsecured Lending digital performance, including application funnel conversion and customer experience
  • Partner with Product and Technology to enhance digital capabilities and optimize enrollment
  • Set and execute growth strategy across all three business lines
  • Partner with Credit and Risk to maintain strong underwriting standards and portfolio health
  • Collaborate cross-functionally with Marketing, Compliance, Operations, and Technology
  • Report performance and strategy updates to executive leadership

Qualifications
  • Bachelor's degree
  • 12+ years in consumer lending; 7+ years in senior leadership with P&L ownership
  • Experience in indirect/dealer, retail partner, or unsecured consumer lending
  • Proven ability to lead field-based sales teams and manage partner channels
  • Strong digital lending and conversion optimization experience
  • Deep understanding of credit, pricing, and portfolio management
  • Track record of driving growth across multiple channels
  • Strong leadership, communication, and cross-functional collaboration skills
  • Experience in a regulated banking environment preferred

Axos Employee Benefits May Include:
  • Medical, Dental, Vision, and Life Insurance
  • Paid Sick Leave, 3 weeks' Vacation, and Holidays (about 11 a year)
  • HSA or FSA account and other voluntary benefits
  • 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
  • Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

About Axos
Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We're a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers.
Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).
Learn more about working at Axos
Pre-Employment Background Check and Drug Test:
All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.
Equal Employment Opportunity:
Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.
Job Functions and Work Environment:
While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.
The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.
E-Verify and Right to Work Notices
Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States. The E-Verify program is an internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
IER Right to Work Poster (English/Spanish)
E-Verify Participation Poster (English/Spanish)

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