Director of Consumer Lending
About EV Life
Let's face it: the future of auto lending isn't about gas cars. When EVs cost 60% less to operate,* slash emissions by 80%, and show 7x lower loan delinquency rates,** the real question we should be asking is why don’t lenders offer better financing for EVs than gas guzzlers?
Like SoFi did for student loans, EV Life is on a mission to accelerate consumer EV adoption by reimagining how affordable EV financing can be. EV Life's lending platform helps financial institutions acquire and underwrite high-quality, climate-friendly EV loans by rewarding customers with a proprietary underwriting model that maximizes EV savings along with tools to support the buyer’s journey from incentive qualification to charger installation. We also partner with leading automakers like Mercedes-Benz, Nissan, and Hyundai to make electric vehicles more affordable by seamlessly integrating tax credits, rebates, and total cost of ownership into the buying process.
Position Overview
We're seeking a visionary Director of Consumer Lending to be our “GM of lending operations” and architect the future of EV (auto) financing. This isn't just another auto lending role – it's an opportunity to replace the outdated gas car loan with financing products built for the electric age.
We're looking for an innovative leader who doesn't just know the rules of the game, but takes pleasure in rewriting them. Someone who combines loan origination and user experience with the vision to create entirely new lending paradigms that unlock EV adoption.
Key Responsibilities
Collaborate with EV Life's founders to design and launch groundbreaking EV financing products from the ground up
Pioneer lending strategies that leverage EV-specific advantages like tax credits, rebates, total cost of ownership, battery health and more
Drive the continuous evolution of our lending platform technology and operations from loan application through servicing
Build data-driven credit policies, financial models, and risk management frameworks that demonstrate why EV lending deserves its own category
Forge and grow relationships with forward-thinking credit unions, banks, and lending partners
Analyze lending performance metrics and optimize our product offerings
Ensure compliance with all relevant lending regulations and maintain appropriate licensing
Lead development of new products that accelerate EV market growth
Build and mentor a team that's passionate about transforming auto lending
Required Qualifications
3-5 years of experience in consumer lending, with at least 2 years in a leadership role
Experience building and scaling lending operations in a startup, lender or other high-growth environment
Strong track record of developing innovative lending products
Excellence in data analysis and financial modeling
Knowledge of lending regulations and compliance requirements
Bachelor's degree in Finance, Economics, or related field
Preferred Qualifications
Consumer fintech or marketplace lending experience
Deep understanding of credit risk management and underwriting principles
Experience in auto lending or clean energy financing
A founder’s mindset with a bias towards action: the persistence to hit roadblocks, think outside the box, and create new solutions to problems.
Strong communication and financial modeling skills
Understanding of EV and clean energy markets
Experience working with credit unions, community banks, and other mission driven lenders
Location
Remote with some travel for conferences and meetups with partners and teammates. (We founded EV Life as a remote-first team before COVID made it cool.)
North American time zones are strongly preferred.
Part Time to Hire
Initially, this role is part time with a goal of growing into a full time leadership role.
How to Apply
Please submit through this platform or email your application to jobs@evlife.co with the subject line: “Consumer Lending: [Applicant FirstName LastName]” Your application should contain your resume and a cover letter explaining why you care about this role.
DEI
EV Life is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees–regardless of what Presidential executive orders attempt to dictate.
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*According to the U.S. Department of Energy, EVs typically cost about 60% less to operate per mile compared to gasoline vehicles. This is primarily due to:
Lower fuel costs (electricity vs. gas)
Lower maintenance costs (fewer moving parts, no oil changes, etc.)
**A 5-year Experian study shows that EV loans have 7x lower delinquency rates than gas vehicles (p.43, Experian Auto Finance)