Consumer Lending Director

In-office at SELF headquarters in Fort Pierce, FL, with flexibility for one remote day per week. Relocation assistance provided About SELF: SELF is a national award-winning non-profit Community Development Financial Institution (CDFI) and the nation’s first local Green Bank, with a mission to empower communities by providing access to affordable capital for economic and climate resilience. Founded in Florida in 2009, SELF helps homeowners, landlords, developers, contractors, and small businesses transition toward an inclusive clean energy economy. SELF has deployed over $60 million in loans for roughly 6,000 green projects, leveraging more than $120 million in total project cost. Through its Plug and Play turnkey lending platform, SELF now operates in 17 states and D.C. with 13 lending partners. A position with SELF provides enormous career growth opportunities in an exciting work environment while doing work that matters. Position Overview: The Consumer Lending Director (CLD) functions as a program leader and general manager of SELF’s consumer lending business, owning production goals, marketing strategy, growth, and operational efficiency. SELF’s consumer lending program provides unsecured loans for home improvements that enhance energy efficiency, climate resilience, and home affordability, serving primarily low-to-moderate income homeowners. The CLD will manage SELF’s consumer lending team, including loan officers, underwriters, and processors, who support both SELF’s direct lending in the Southeast and loan activity generated through SELF’s national network of partner organizations using SELF’s consumer lending expertise. This position is the ultimate point of accountability for consumer loan production and loan quality, ensuring growth targets are met while maintaining strong credit performance and mission alignment. The ideal candidate is a strategic program leader with experience scaling financial products, driving growth strategy, and managing operational teams. Knowledge of consumer lending is strongly preferred. This role reports directly to the CEO. Key Responsibilities: Program Leadership & Loan Production Own the overall performance of SELF’s consumer lending programs, including production volume, portfolio quality, and mission impact. Oversee the consumer lending operations team (loan officers, underwriters, and processors) who handle origination, underwriting, closing, and servicing for both SELF’s direct portfolio and Plug and Play partner lenders. Ensure regular reporting on production performance, progress to goal, and lessons learned to executive management, the Board, and other stakeholders. Monitor the consumer lending portfolio and work with the CEO to identify trends and make proactive adjustments as needed. Identify and implement process improvements and automations to increase efficiency, reduce cycle times, and improve the borrower and contractor experience. Marketing, Growth Strategy & Business Development Own the marketing strategy for the consumer lending program, from positioning and audience targeting through campaign execution and performance measurement. Drive growth strategy for consumer lending across Southeast direct markets, aligned with SELF’s strategic plan and annual production goals. Develop and manage SELF’s contractor network as the primary growth channel for consumer lending. The majority of SELF’s consumer lending volume is generated through contractors who perform installations, so this role must prioritize contractor recruitment, engagement, training, and retention. Plan and lead seasonality-based promotions, campaigns, and pricing strategies to maximize production throughout the year. Assess the competitive landscape for green and consumer home improvement lending; identify opportunities to differentiate SELF’s products on pricing, speed, terms, or borrower experience. Analyze pricing, product design, and viability of consumer loan products; provide recommendations to the CEO for adjustments, growth opportunities, or discontinuations. Approve new market or business line expansions within consumer lending; ensure sufficient origination and closing resources are available. Planning, Budgeting & KPIs Develop the annual consumer lending work plan, budget, and production goals for review and approval by the CEO and Board. Define, track, and report on key performance indicators for the program, including production targets, conversion rates, portfolio quality, contractor channel performance, and mission impact. Report areas of financial or budget concern to the CEO in a timely manner. Oversee loan origination and servicing systems, ensuring quality control, accuracy, and data integrity. Collaborate with SELF’s technology team and external consultants to enhance the consumer lending platform, improve the digital experience for borrowers and contractors, and support scalable growth. Identify opportunities to leverage technology for process automation, faster underwriting, and better portfolio analytics. Maintain the standardization, data integrity, and documentation quality of consumer loan portfolios to support future secondary market execution. Collaborate with the CEO and Finance team to ensure consumer loan portfolios meet the requirements of current and prospective investors, funders, and credit enhancement partners. Compliance Collaborate with the CEO and portfolio management to create and maintain consumer lending policies and procedures. Coordinate with Finance and Compliance teams to ensure loans are assigned to the appropriate funds, production is on target, and all funder and creditor requirements are met. Lead, coach, and develop the consumer lending team, including program managers, loan officers, underwriters, processors, and support staff. Foster a high-performance, mission-driven team culture. Oversee hiring, onboarding, performance management, and professional development. Ensure the team has the resources needed to accomplish annual goals, including systems, training, and staffing. Qualifications and Skills: Compassionate and purpose-driven with a desire to make a difference in people’s lives through professionally delivered financial services. Experience leading a program, product line, or business unit with full accountability for performance, growth, and operations. Expertise in consumer lending required. Experience in CDFI, green lending, or mission-driven financial services is a plus. Strong marketing and growth strategy skills, with experience building and executing go-to-market plans and channel strategies. Analytical ability to define KPIs, interpret data, and turn insights into action. Experience managing operational teams and driving process improvements at scale. Strong organizational skills with the ability to manage multiple deadlines and deliverables simultaneously. Ability to work independently and as part of a team, exercise judgment, and take initiative. Bachelor’s degree in business, finance, economics, marketing, public administration, or a related field. Five (5) or more years of progressive experience in program management, product management, lending operations, or a related field, with at least three (3) years in a leadership or director-level role. Reports To: This position reports to the Chief Executive Officer (CEO). Physical Requirements: Ability to travel up to 30% of the time. Availability and flexibility to accommodate spontaneous business travel when necessary. Ability to visually or otherwise identify, observe, and assess. Repetitive use of hands and fingers typing and/or writing. Ability to walk, stand, and sit for long periods. Ability to lift and carry up to 30 pounds. Daily communication via phone, email, video calls, and text. Relocation stipend; comprehensive medical, dental, and vision benefits; 403(b) retirement plan with up to 5% match; performance-based bonuses; 12 paid holidays and a minimum of 20 days of paid leave. Equal Opportunity Employer: SELF is an equal opportunity employer and is committed to fostering a diverse, inclusive, and respectful workplace. We provide equal employment opportunities to all individuals regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, veteran or military status, citizenship status, or any other characteristic protected by applicable federal, state, or local law. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, compensation, and training. All employment decisions at SELF are based on business needs, job requirements, and individual qualifications. SELF does not tolerate discrimination or harassment of any kind. Employment at SELF is at-will unless otherwise specified in a written employment agreement. This role is exempt under FLSA.

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