Director of Consumer Finance

$120,000 – $150,000 base + highly competitive bonus

Up to $5,000 relocation package available

Primarily office-based – 5 days per week with some flexibility

We are recruiting a Director of Consumer Finance for an established and highly successful US business operating across the home improvement and residential services sector.

Reporting directly to the CFO, this individual will take ownership of the company's consumer lending and financing programmes, managing relationships with third-party lenders and fintech partners while ensuring financing options support sales growth, customer conversion and profitability.

This is a commercially focused consumer finance leadership position where you will have the opportunity to directly influence lending strategy across multiple home improvement product categories.

What You'll Be Doing

• Own and lead consumer financing programmes across the organisation.
• Manage relationships with banks, credit unions, third-party lenders and fintech financing platforms.
• Negotiate lending rates, terms and dealer fees to improve sales conversion and company profitability.
• Evaluate and onboard new lending and fintech partners.
• Monitor financing performance including approval rates, DSO, delinquency and default rates.
• Analyse the loan approval and funding pipeline and identify opportunities to remove friction and improve performance.
• Develop lender scorecards and report on portfolio health to executive leadership.
• Ensure consumer lending and credit practices comply with relevant federal and state regulations, including TILA and Regulation Z .
• Partner with Sales, Marketing and Operations leadership to ensure financing strategy supports wider revenue and growth objectives.
• Train and support sales teams and in-home consultants on presenting financing options and handling finance-related customer objections.

What We're Looking For

• 7+ years' progressive experience within consumer finance, consumer lending or a related financial leadership role .
• Direct experience managing and negotiating with lenders and/or fintech financing partners.
• Strong understanding of consumer credit underwriting, structured finance and lending models .
• Experience analysing financing performance, approval rates and portfolio risk.
• Strong knowledge of US consumer lending regulations and compliance.
• Excellent commercial negotiation and relationship-management skills.
• Strong analytical capabilities and the ability to translate financing data into commercial improvements.
• Confidence working with CFO/executive-level stakeholders.
• Bachelor's degree in Finance, Accounting, Economics, Business Administration or a related discipline preferred.
• Experience within home improvement, home services, windows, roofing, exteriors, residential construction or a similar consumer-facing sector would be highly advantageous.

Location

This position is based in the Mountain Pine / Hot Springs, Arkansas area and candidates should be comfortable working primarily from the office five days per week, although there is some flexibility.

Candidates who aren't currently local are absolutely encouraged to apply where relocation is realistic. A $5,000 relocation package is available to support the move.

The Opportunity

You'll be joining an established, successful US organisation at an exciting stage of its growth.

Consumer finance is a critical part of the company's sales strategy, meaning this position has genuine visibility and influence across the wider business.

You'll have the opportunity to shape lender strategy, expand financing options, improve funding performance and work closely with senior leadership to support continued revenue growth.

Package: $120,000 – $150,000 base salary + highly competitive bonus + $5,000 relocation assistance where applicable.