These values shape how we work and empower our teams to stay true to our vision of creating financial solutions that make lives better. We are seeking a Director of Consumer Lending to lead our ...
These values shape how we work and empower our teams to stay true to our vision of creating financial solutions that make lives better. We are seeking a Director of Consumer Lending to lead our ...
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Direct-to-consumer or e-commerce background * MBA or advanced degree Pay Range: $186,000 - $248,000
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Quick apply
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The RealCold platform operates a national, omni-channel network, inclusive of traditional storage offerings, as well as comprehensive direct-to-consumer programs, which can reach the majority of U.S ...
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Direct To Consumer information
What are the key skills and qualifications needed to thrive as a direct to consumer manager?
What is a direct to consumer job?
What is the difference between Direct To Consumer vs Customer Service Representative?
| Aspect | Direct To Consumer | Customer Service Representative |
|---|---|---|
| Required Credentials | Varies; often includes marketing, sales, or business background | Customer service training, communication skills |
| Work Environment | Online platforms, e-commerce settings | Call centers, retail stores, online support |
| Employer & Industry | Direct-to-consumer brands, e-commerce companies | Any industry with customer interaction |
| Search & Comparison Intent | Understanding sales channels, marketing roles | Customer support, communication skills |
While both roles involve customer interaction, a Direct To Consumer professional focuses on marketing and sales directly to consumers through online channels, whereas a Customer Service Representative handles customer inquiries and support across various industries. The roles differ in skills, environment, and primary objectives but both are essential for customer engagement.
What are some common challenges faced by professionals in direct to consumer roles, and how can they be addressed?

Other
Medical, Dental, Vision, Life, Retirement, PTO
Posted 5 days ago
Job description
As Director of Consumer Lending, you will provide strategic and operational leadership for all aspects of consumer lending, including direct lending, indirect lending, underwriting, processing, funding and lending support operations. Partnering closely with the VP of Consumer Lending and Servicing, you will help shape and execute strategies that support loan growth, strengthen portfolio performance, optimize operational efficiency, and ensure sound risk management. This role balances growth, member experience, and credit quality while advancing dealer referral partnerships, developing high-performing teams, and leveraging data and market insights to inform decisions and support the Credit Union's long-term success. The ideal candidate is a seasoned consumer lending leader with strong business acumen, deep lending expertise, and a passion for developing people, improving processes, and driving meaningful results.
What you will need to be successful
- Consumer Lending & Portfolio Management Expertise: Extensive knowledge of consumer lending operations, underwriting, dealer referral lending, and portfolio management. Experience leading consumer lending functions with responsibility for portfolio performance, credit quality, operational effectiveness and sustainable loan growth. Proven ability to evaluate credit risk, monitor portfolio trends, and implement lending strategies to support business objectives.
- Strategic Leadership & Business Development: Demonstrated experience developing and executing lending strategies that drive portfolio growth, operational efficiency, and member value. Prior success leading dealer referral programs including dealer relationships, program performance and indirect lending growth. Experience leading process transformations, automation initiatives, and continuous improvement within consumer lending operations. Proven ability to analyze portfolio and operational performance data, evaluate market trends, identify growth opportunities, and recommend enhancements to lending products, services and programs.
- Risk Management & Regulatory Compliance: Advanced knowledge of consumer lending regulations, underwriting standards, compliance requirements, and risk management principles. Proven experience overseeing lending compliance programs, audits, and regulatory examinations while maintaining and enhancing underwriting guidelines, lending policies, and procedures to align with regulatory requirements, organizational objectives and risk appetite.
- Leadership & Talent Development: At least five years of management or people-leadership experience required. Proven ability to lead, coach and develop leaders and high-performing teams while fostering engagement, accountability, collaboration, and professional growth. Ability to navigate complex employee relations matters, manage performance, and effectively lead through change.
- Experience & Education: At least eight years of progressive consumer lending experience including direct underwriting experience and responsibilities in lending operations, portfolio management, or dealer referral lending. Proficiency in MS Office, lending systems, reporting tools and consumer loan documentation programs required with experience utilizing lending analytics and performance reporting tools highly preferred. Bachelor's degree in Finance, Business or related field, or equivalent experience required.
Ways we'll appreciate you
- A collaborative and positive workplace culture
- Initial and on-going support, training and mentorship
- Competitive wages, bonuses, paid holidays and paid time off
- 100% credit-union-paid employee coverage for medical, dental, vision, life and disability insurance; dependent coverage also available
- 401k Plan with an amazingly generous credit union match!
- Tax-saving Flexible Spending and Health Savings Plans
- Premier membership perks, loan discounts, company clothing, wellness and recognition programs, and more!
Since it began in 1954, Oregon State Credit Union has been a member-owned, not-for-profit financial services institution. We exist for the benefit of our member-owners, and not to profit from them. That's what makes us different from banks and how we're able to create financial solutions that make lives better.
Location: 1980 NW 9th St, Corvallis
Work type: Full-time, Hybrid and Exempt
Compensation: Starting at $159,200k/year DOE + bonus
Oregon State Credit Union is an equal opportunity employer, including veterans and individuals with disabilities.
The information above provides the general nature of work performed in this position and outlines primary qualifications. The successful candidate must be able to demonstrate that they have the legal right to work in the US and pass a background screening to the satisfaction of Oregon State Credit Union.
#LI-HR1 #LI-Hybrid
About Oregon State Credit Union
Sourced by ZipRecruiter
Industry
Finance and insurance
Company size
201 - 500 Employees
Headquarters location
Corvallis, OR, US
Year founded
1954