NinjaHoldings

General Manager – Line of Credit

NinjaHoldings
Posted 10/19/2026full-timeRemote • United StatesSeniorLeadWebsite
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Core Competencies

Role fit
Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in managing P&L for consumer lending products, with a strong focus on optimizing credit line strategies, driving revenue growth, and enhancing customer engagement. Proven ability to lead cross-functional teams and navigate the regulatory landscape in financial services.

Highest-signal resume keywords
P&L ManagementConsumer Lending ExperienceCredit Line StrategyDigital Consumer Credit GrowthRegulatory Knowledge

About the role

Key responsibilities & impact
  • 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

What you’ll need
  • 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

Comp & perks
  • 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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills
Credit Line AssignmentUtilization ManagementPricing StrategyPortfolio Performance AnalysisRevenue Growth StrategiesRisk ManagementFinancial AnalysisCustomer Engagement TechniquesDigital Experience OptimizationData-Driven Decision Making
Soft Skills
LeadershipCommunicationAnalytical SkillsInfluencing SkillsEntrepreneurial Mindset
Certifications & Qualifications
MBA or Advanced Degree
Industry Keywords
FintechConsumer LendingRevolving CreditTILARegulation ZECOAFCRAUDAAPSubprime LendingNear-Prime Lending