SVP, Consumer Lending

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)