General Manager – Line of Credit

Job not on LinkedIn

🔥 0 minutes ago

🇺🇸 United States – Remote

⏰ Full Time

🟠 Senior

🔴 Lead

👔 Manager

👻 Ghost score 15%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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NinjaHoldings

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2017

💸 Finance

💳 Fintech

👥 B2C

Finance • Fintech • B2C

NinjaHoldings is a pioneering company offering transformative and innovative financial solutions, focusing on digital lending and financial services for underserved Americans. As original entrepreneurs and data scientists, they have developed digital money platforms to empower individuals often overlooked by traditional banks. Through their brands like CreditNinja and NinjaCard, they provide a comprehensive suite of digital banking and lending products, with incentives and rewards that help guide customers towards financial improvement. Additionally, their NinjaEdge brand offers B2B solutions for companies, enhancing customer understanding via bespoke underwriting, fraud detection, and analytics services.

📋 Description

• Own the full P&L for the line of credit business • Drive revenue and profitability targets while managing risk-adjusted returns • Take the business from early traction to meaningful scale • Refine and execute the strategy to grow the line of credit into a durable, differentiated product • Define how the line of credit works alongside installment loans • Sharpen unit economics across credit-limit opening, line increases, draws, utilization, pricing, and repayment • Build repeatable returns at scale • Grow new accounts across direct, partner, and mobile app channels • Increase repeat use and lifetime customer value • Own the growth plan for the business • Improve the digital customer experience from application through draws, payments, and account management • Drive acquisition, engagement, and retention • Optimize underwriting, credit-line strategy, pricing, and portfolio monitoring • Balance growth with sound credit outcomes • Build and scale the funding strategy with Finance and Capital Markets • Support growth in balances and optimize cost of capital • Build and develop a high-performing cross-functional team • Coordinate across Marketing, Operations, Finance, Legal, Compliance, and Technology

🎯 Requirements

• 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

🏖️ Benefits

• Flexible Paid Time Off • Health Benefits with generous medical, dental and vision insurance plans • 401(k) with matching contribution • Paid Family Leave • Annual Wellness & WFH Subsidies • Employee Referral Program • Remote first culture with convenient downtown office in the heart of the city