Lending Operations Senior Manager

Intuit Credit Karma is a mission-driven company focused on championing financial progress for our more than 140 million members globally. While were best known for pioneering free credit scores our members turn to us for everything related to their financial goals including identity monitoring applying for credit cards shopping for insurance and loans (car home and personal) and savings accounts and checking accounts* all for free. Credit Karma has grown significantly through the years: we now have more than 1700 employees across our offices in Oakland Charlotte Culver City San Diego London Bangalore and New York City.

*Banking services provided by MVB Bank Inc. Member FDIC

The Lending Operations Senior Manager will lead the design build and launch of a new consumer lending operations function within the Intuit Consumer Group ecosystem beginning with Credit Karma Money (CKM). This role will establish the operational foundation for CKMs lending products balancing efficient throughput automation and partner enablement with a rigorous commitment to regulatory compliance and member trust.

The ideal candidate combines hands-on operational leadership with a strong appreciation for the regulatory environment that underpins consumer lending. Initially this will be an individual contributor role that leverages contractors vendors and external operations support. As the lending program matures this leader will guide the scaling of the team and operational model.

Key Responsibilities

Operational Leadership & Strategy

• Stand up the end-to-end operational function for CKMs lending products defining workflows controls SLAs and performance metrics.
  
  
• Establish the processes tools and governance needed to deliver efficient high-quality lending operations that can scale across products and partners.
  
  
• Partner with Product Engineering Risk Legal Compliance and Member Success to ensure operations are designed to enable growth while maintaining compliance integrity.
  
  
• Drive continuous improvement and operational excellence through automation vendor optimization and performance analytics.
  
  

Regulatory & Risk Alignment

• Ensure all operational processes and vendor engagements comply with federal state and partner-bank lending requirements.
  
  
• Serve as the first line of defense embedding compliance controls directly into operational processes rather than treating compliance as a downstream checkpoint.
  
  
• Work closely with second-line compliance and risk partners to identify assess and mitigate emerging regulatory or operational risks.
  
  
• Support internal audits regulatory examinations and partner reviews ensuring timely accurate and transparent responses.
  
  

Vendor & Partner Management

• Build and manage relationships with external vendors BPOs and partner banks that support loan origination servicing and member support.
  
  
• Define and monitor vendor performance standards and ensure compliance with contractual and regulatory expectations.
  
  
• Develop scalable processes for vendor onboarding oversight and performance reporting.
  
  

Cross-Functional Collaboration

• Act as the operational voice in product and business discussions to ensure lending operations readiness for new product launches or changes.
  
  
• Collaborate with Member Success to ensure smooth handling of loan servicing inquiries and disputes.
  
  
• Drive transparency across functions through effective reporting and communication.
  
  

Scalability & Future Team Development

• Build the operational roadmap for growth including staffing plans technology needs and process automation opportunities.
  
  
• When the program achieves scale transition from an individual contributor to a leadership role overseeing internal teams and vendor partners.
  
  
• Foster a culture of ownership accountability and curiosity within the growing operations team.
  
  

Qualifications

• 810 years of experience in consumer lending operations with a proven track record of building or scaling operational processes workflows or teams.
  
  
• Strong understanding of lending regulations including TILA ECOA FCRA UDAAP FDCPA and other consumer protection laws.
  
  
• Experience translating regulatory obligations into pragmatic efficient operational processes.
• Proven people management experience required including coaching performance development and managing day-to-day team operations.
• Demonstrated ability to manage third-party vendors and outsourced operations.
  
  
• Proven data-driven decision maker skilled in analyzing metrics to drive performance and identify areas for improvement.
  
  
• Excellent cross-functional collaboration and communication skills with experience working closely with Product Risk Compliance and Engineering.
  
  
• Strategic and execution-focused able to operate tactically in a start-up mode while laying the foundation for future scale.
  
  
• Mortgage-specific experience (e.g. RESPA HMDA) is not sufficient for success in this role.
  
  

Why This Role Matters

This role is foundational to Intuits ability to deliver safe compliant and scalable consumer lending experiences. Youll be building from the ground up defining how lending operations function at Credit Karma and beyond and helping shape the operational standards for the next generation of consumer finance at Intuit.

Benefits include:

• Medical and Dental Coverage
• Retirement Plan
• Commuter Benefits
• Wellness perks
• Paid Time Off (Vacation Sick Baby Bonding Cultural Observance & More)
• Education Perks
• Paid Gift Week in December

Pay Transparency Notice: Credit Karmas mission of championing financial progress for all starts from within. Thats why we implemented role-based compensation which ensures people who are in the same role receive the same pay with variations for geographic location only. Its all part of a more comprehensive DEI strategy that helps level the playing field. The base salary for this role is $191083 plus equity and benefits.

Equal Employment Opportunity:

Credit Karma is proud to be an Equal Employment Opportunity Employer. We welcome all candidates without regard to race color religion age marital status sex (including pregnancy childbirth or related medical condition) sexual orientation gender identity or gender expression national origin veteran or military status disability (physical or mental) genetic information or other protected characteristic. We prohibit discrimination of any kind and operate in compliance with applicable fair chance laws.

Credit Karma is also committed to a diverse and inclusive work environment because it is the right thing to do. We believe that such an environment advances long-term professional growth creates a robust business and supports our mission of championing financial progress for everyone. We offer generous benefits and perks with a single eye to nourishing an inclusive environment that recognizes the contributions of all and fosters diversity by supporting our internal Employee Resource Groups. Weve worked hard to build an intensely collaborative and creative environment a diverse and inclusive employee culture and the opportunity for professional growth. As part of the Credit Karma team your voice will be heard your contributions will matter and your unique background and experiences will be celebrated.

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