General Manager, Line of Credit

CreditNinja is seeking an entrepreneurial General Manager to own and scale its line of credit (LOC) business. The LOC is a revolving credit product: customers draw on a credit limit, repay, and draw again. The General Manager will sharpen its economics, grow its customer base, and turn an early-stage product into a durable, profitable business line. Reporting to the President of CreditNinja Lending, the General Manager will hold full P&L responsibility. This covers strategy, product, growth, credit, capital, operations, and financial performance. The ideal candidate is a hands-on operator who has taken a revolving credit or consumer lending business from early traction to meaningful scale. This is a fully remote, U.S.-based position.

• →P&L Ownership: Own the full P&L for the LOC business line. Drive revenue and profitability targets while managing risk-adjusted returns, and take the business from early traction to meaningful scale
• →Strategy & Scale: Refine and execute the strategy to grow the LOC into a durable, differentiated product. Define how the LOC works alongside our installment loans so that together they serve more customers
• →Economics & Line Management: Sharpen unit economics across the account life cycle: opening credit limits, line increases, draws, utilization, pricing, and repayment. Build strong, repeatable returns at scale
• →Growth & Customer Acquisition: Work with Marketing to grow new accounts across direct, partner, and mobile app channels. Increase repeat use and lifetime customer value, and own the growth plan for the business
• →Product & Technology: Work with product and engineering to improve the digital customer experience, from application to draws, payments, and account management. Drive acquisition, engagement, and retention
• →Credit & Risk: Work with Credit, Risk, and Analytics to optimize underwriting, credit line strategy, pricing, and portfolio monitoring. Balance growth with sound credit outcomes
• →Capital & Funding: Build and scale the funding strategy in coordination with Finance and Capital Markets. Support growth in balances and optimize the cost of capital
• →Team Building: Build out and develop a high-performing, cross-functional team as the business scales, fostering a culture of ownership, accountability, and speed
• →Cross-Functional Leadership: Coordinate across Marketing, Operations, Finance, Legal, Compliance, and Technology to align the LOC business with broader company objectives

• Bachelor's degree in Business, Finance, Economics, or a related field; MBA or advanced degree preferred
• 10+ years of progressive experience in consumer lending, fintech, or financial services, including senior leadership roles with direct P&L ownership
• Demonstrated success scaling an early-stage business line or product into a profitable operation, ideally in lines of credit, credit cards, or other revolving credit
• Strong command of revolving credit economics: credit line assignment and management, utilization, pricing, credit and portfolio performance, and the drivers of a profitable lending P&L
• Proven ability to grow a digital consumer credit product through marketing channels, partnerships, and customer engagement
• Working knowledge of the regulatory environment for consumer lending, including open-end credit (TILA and Regulation Z, ECOA, FCRA, UDAAP, and related state and federal requirements)
• Experience serving subprime or near-prime consumers preferred
• Entrepreneurial, hands-on operator who thrives in a fast-paced environment and is comfortable with change and ambiguity
• Exceptional leadership, communication, and analytical skills, with the ability to influence across all levels of an organization
• Ability and drive to take ownership of the business and its outcomes