Director of Consumer Finance

WinChoice

$90K — $120K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field (MBA preferred).
  • 7+ years of leadership experience in consumer finance, home improvement, banking, or similar sectors.
  • Experience with managing lender relationships and negotiating financing programs.
  • Strong knowledge of consumer lending, underwriting, and financing operations.
  • Proven experience analyzing financing performance and operational improvements.
  • Excellent communication and negotiation skills for building relationships.
  • Demonstrated ability to lead cross-functional initiatives.

Responsibilities

  • Lead and oversee consumer financing programs for home improvement divisions.
  • Develop strong relationships with banks, credit unions, and fintech partners.
  • Negotiate financing terms and dealer fees to balance sales and profitability.
  • Monitor and analyze financing performance metrics such as approval rates and delinquency.
  • Streamline financing workflows to enhance efficiency and minimize funding delays.
  • Collaborate with Sales, Marketing, Operations, and Executives to align financing strategy with growth initiatives.
  • Train sales teams on presenting financing options to homeowners.

Benefits

  • Opportunity to lead high-impact financing strategies in a growing industry.
  • Collaboration with executive leadership on business results.
  • Comprehensive insights into financing programs across diverse business lines.
Full Job Description
Director of Consumer Finance

WinChoice is seeking an experienced Director of Consumer Finance to lead and elevate our consumer financing strategy across our windows, roofing, and gutter divisions. This is a high-impact leadership role responsible for developing financing programs that help homeowners invest in their homes while supporting sales growth and company profitability.

If you have a strong background in consumer lending, lender relationship management, and financial strategy-and enjoy collaborating with executive leadership to drive business results-we'd love to hear from you.

What You'll Do

As the Director of Consumer Finance, you will:
  • Lead and oversee all consumer financing programs across multiple home improvement business lines.
  • Develop and maintain strong relationships with banks, credit unions, and fintech lending partners.
  • Negotiate competitive financing terms, dealer fees, and lending programs that maximize sales while protecting profitability.
  • Monitor financing performance, including approval rates, funding timelines, delinquency, and portfolio health.
  • Analyze financing workflows to improve efficiency and reduce funding delays.
  • Partner with Sales, Marketing, Operations, and Executive Leadership to align financing strategy with company growth initiatives.
  • Train and support sales teams on effectively presenting financing options to homeowners.
  • Ensure compliance with all applicable federal and state consumer lending regulations, including TILA, Regulation Z, and other lending requirements.
  • Prepare and present financing performance metrics and recommendations to executive leadership.


Requirements

What We're Looking For
  • Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field (MBA preferred).
  • 7+ years of leadership experience in consumer finance, home improvement, banking, or a related industry.
  • Experience managing lender relationships and negotiating financing programs.
  • Strong knowledge of consumer lending, underwriting, and financing operations.
  • Experience analyzing financing performance and identifying opportunities for operational improvements.
  • Excellent communication, negotiation, and relationship-building skills.
  • Proven ability to lead cross-functional initiatives and influence business decisions.
Preferred Experience

Candidates with experience supporting financing programs in the residential home improvement industry-including windows, roofing, siding, gutters, or exterior remodeling-are strongly encouraged to apply.

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