General Manager, Line of Credit

NinjaHoldings•Chicago, IL

8d•Remote

About The Position

CreditNinja is seeking an entrepreneurial General Manager to own and scale its revolving line-of-credit business. The role is responsible for turning an early-stage product into a durable, profitable business line by improving its economics and growing its customer base. The General Manager holds full P&L responsibility across strategy, product, growth, credit, capital, operations, and financial performance. This is a fully remote, U.S.-based position reporting to the President of CreditNinja Lending. The role includes refining the LOC strategy and its relationship to CreditNinja’s installment loans; improving economics throughout the customer and account lifecycle; growing customer acquisition, repeat use, and lifetime value; enhancing the digital product experience; optimizing underwriting and portfolio performance; scaling funding; and building a high-performing cross-functional team. The General Manager works closely with teams across Marketing, Product, Engineering, Credit, Risk, Analytics, Finance, Capital Markets, Operations, Legal, and Compliance.

Requirements

Bachelor’s degree in Business, Finance, Economics, or a related field.
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.
Strong command of revolving credit economics, including credit-line assignment and management, utilization, pricing, credit and portfolio performance, and 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 consumer lending regulations, including open-end credit requirements (TILA and Regulation Z), ECOA, FCRA, UDAAP, and related state and federal requirements.
Entrepreneurial, hands-on operating approach and ability to thrive in a fast-paced environment 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.

Nice To Haves

MBA or advanced degree preferred.
Experience scaling a business in lines of credit, credit cards, or other revolving credit is ideal.
Experience serving subprime or near-prime consumers preferred.

Responsibilities

Own the full P&L for the line-of-credit business, drive revenue and profitability targets, manage risk-adjusted returns, and scale the business from early traction.
Refine and execute the strategy for growing the LOC into a durable, differentiated product, including defining how it complements installment loans.
Improve unit economics across account opening, credit limits, line increases, draws, utilization, pricing, and repayment.
Work with Marketing to grow new accounts through direct, partner, and mobile app channels; increase repeat use and customer lifetime value; and own the business growth plan.
Work with Product and Engineering to improve the digital customer experience across application, draws, payments, and account management, and drive acquisition, engagement, and retention.
Partner with Credit, Risk, and Analytics to optimize underwriting, credit-line strategy, pricing, and portfolio monitoring while balancing growth with sound credit outcomes.
Build and scale the funding strategy with Finance and Capital Markets, support balance growth, and optimize cost of capital.
Build and develop a high-performing cross-functional team as the business scales, fostering ownership, accountability, and speed.
Coordinate across Marketing, Operations, Finance, Legal, Compliance, and Technology to align the LOC business with broader company objectives.