General Manager, Digital Lending

🕒 4 days ago

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Prospect Capital Management

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 1988

💸 Finance

🏠 Real Estate

Finance • Real Estate

Prospect Capital Management is a leading alternative investment manager that provides credit, private equity, and real estate investment solutions to institutional and accredited investors. With roughly $10. 0B in assets under management and over three decades of experience, the firm focuses on middle-market lending, structured credit (including CLO investments), and real estate equity and credit across sectors such as multifamily, industrial, and specialized housing. Prospect operates multiple investment vehicles — including publicly-traded and non-traded BDCs, a REIT, closed-end and interval funds — and emphasizes team continuity, tailored financing solutions, and multi-channel distribution to generate long-term value.

📋 Description

• Own the strategic direction, operating performance, and profitability of the online lending business. • Develop and execute a multi-year growth strategy that complements and enhances the Company's branch-based lending operations. • Establish performance objectives and key metrics across the customer lifecycle, including acquisition, conversion, approval rates, fraud losses, delinquency performance, servicing outcomes, and customer retention. • Partner with Credit and Risk leadership to optimize underwriting strategies, credit policies, pricing, and portfolio performance. • Collaborate with Marketing teams to drive efficient customer acquisition through digital channels, including paid search, lead aggregators, affiliate partnerships, direct mail integration, and other emerging channels. • Work closely with Technology and Product teams to enhance the online customer journey, streamline application and funding processes, and improve digital conversion rates. • Partner with Fraud and Operations teams to strengthen fraud prevention capabilities while maintaining a seamless customer experience. • Collaborate with Servicing and Collections leaders to improve repayment outcomes and maximize customer lifetime value. • Build, develop, and lead a high-performing cross-functional team dedicated to the online lending channel. • Establish reporting disciplines, governance processes, and regular executive updates to ensure rigorous performance management. • Serve as the executive champion for innovation and continuous improvement within the digital lending business.

🎯 Requirements

• 10+ years of progressive experience within consumer lending, with substantial experience in the non-prime segment. • Demonstrated success building, scaling, or leading a profitable online installment lending business. • Direct experience with online underwriting, credit strategy, and portfolio management in a digital lending environment. • Strong understanding of digital customer acquisition, including paid search, lead generation, affiliate marketing, direct mail integration, and channel economics. • Experience managing or influencing fraud strategy, identity verification processes, and digital risk controls. • Proven ability to lead cross-functional teams and influence stakeholders across Credit, Marketing, Operations, Technology, and Compliance functions. • Strong analytical orientation with experience using data and performance metrics to drive business decisions. • Executive presence with the ability to communicate effectively with senior leadership and boards of directors. • Experience in organizations operating both branch and online lending models is strongly preferred.