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General Manager of Lending at Varo Bank. Location Information: United States. We're on a mission to bring financial inclusion and opportunity to all.. P&L Management and Business Growth. Credit Policy, Risk Governance, and Regulatory Oversight. Active Portfolio and Performance Management. Growth in active lending users and repeat engagement. Expansion of lending’s contribution to deposit growth and new customer acquisition. Improved credit performance (delinquencies, NCOs, vintage stability). Successful delivery of BNPL and Flex products. Strength of internal controls and regulatory outcomes (no significant findings). Strength and cohesion of the cross-functional Lending team. 12+ years of progressive leadership experience in consumer lending, with at least 5 years managing a significant P&L. Deep expertise in operating within a regulated banking environment (OCC, FDIC). Proven ownership of a Credit Policy Framework. Exceptional command of consumer credit risk management, including the use of traditional and alternative data. Strong understanding of CECL accounting standards. Demonstrated ability to build, scale, and optimize credit products. Exceptional collaboration, communication, and presentation skills. Comfort with supporting a vision for focused experimentation with ML and AI. Proven ability to translate lending insights into customer engagement and product design improvements. Pay range:. $200K - $350K. Bonus. Equity. Competitive benefits