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NinjaHoldings
NinjaHoldings
51 – 200 Angajați
B2CFinanțeFintech
NinjaHoldings dezvoltă servicii digitale de creditare și servicii financiare pentru americanii care nu sunt deserviți suficient de băncile tradiționale. Brandurile sale pentru consumatori, CreditNinja și NinjaCard, oferă produse bancare digitale și produse de creditare concepute pentru a sprijini progresul financiar al clienților. Prin NinjaEdge, compania furnizează și servicii de evaluare a cererilor de credit, detectare a fraudei și analiză pentru companii, ajutându-le să își înțeleagă mai bine clienții.
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Locurile de muncă ale companiei

Senior General Manager, Revolving Line of Credit

Lead the P&L and expansion of CreditNinja’s revolving line-of-credit business. Drive growth, credit performance, funding strategy, and execution across teams.

USStatele Unite ale AmericiiRemoteNormă întreagăSeniorLiderLimbă Obligatorie: englezăManager

Descriere

  • Lead P&L ownership for the line-of-credit business.
  • Meet revenue and profitability goals while managing risk-adjusted returns.
  • Scale the business from early traction to meaningful growth.
  • Shape and deliver a strategy that makes the line of credit a durable, differentiated product.
  • Set the role of the line of credit alongside installment loans.
  • Improve unit economics across initial credit limits, limit increases, draws, utilization, pricing, and repayment.
  • Establish repeatable returns as the business scales.
  • Acquire new accounts through direct, partner, and mobile app channels.
  • Increase repeat usage and customer lifetime value.
  • Lead the business’s growth plan.
  • Improve the digital customer journey from application through draws, payments, and account management.
  • Advance customer acquisition, engagement, and retention.
  • Refine underwriting, credit-line strategy, pricing, and portfolio monitoring.
  • Pursue growth while maintaining sound credit outcomes.
  • Develop and expand the funding strategy with Finance and Capital Markets.
  • Support balance growth and manage the cost of capital.
  • Build and lead a strong cross-functional team.
  • Align work across Marketing, Operations, Finance, Legal, Compliance, and Technology.

Cerințe

  • Bachelor’s degree in Business, Finance, Economics, or a related discipline.
  • An MBA or other advanced degree is preferred.
  • At least 10 years of increasing responsibility in consumer lending, fintech, or financial services, including senior roles with direct P&L ownership.
  • Track record of turning an early-stage business line or product into a profitable operation, ideally in lines of credit, credit cards, or other revolving credit.
  • Strong grasp of revolving credit economics, including credit-line assignment and management, utilization, pricing, credit and portfolio performance, and profitable lending P&L drivers.
  • Success growing a digital consumer credit product through marketing channels, partnerships, and customer engagement.
  • Working knowledge of consumer-lending regulations, including open-end credit rules (TILA and Regulation Z), ECOA, FCRA, UDAAP, and applicable state and federal requirements.
  • Experience serving subprime or near-prime consumers is preferred.
  • Entrepreneurial, hands-on approach; able to work at pace and handle change and ambiguity.
  • Strong leadership, communication, and analytical abilities, with the capacity to influence across organizational levels.
  • Motivation and ability to take ownership of the business and its results.

Beneficii

  • Flexible paid time off.
  • Medical, dental, and vision insurance plans.
  • 401(k) plan with employer matching contributions.
  • Paid family leave.
  • Annual wellness and work-from-home subsidies.
  • Employee referral program.
  • Remote-first culture with a convenient downtown office.

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