Description:
We’re hiring an Operations Manager, Consumer Financing to help build and scale the operating engine behind Clutch’s lending program. This is a high-ownership, hands-on generalist role for someone who can run key processes, solve messy problems, and improve the system as we grow.
You’ll work closely with the Director of Consumer Financing and partner cross-functionally with Sales, Product, Data and Finance to help to build and scale Clutch’s consumer financing business. You’ll own day-to-day execution across core workflows, drive continuous improvement, and help build the playbooks and tooling needed to scale.
This is an opportunity for someone who thrives in fast-paced environments, enjoys ambiguity, and wants to build something meaningful from the ground up.
What You’ll Do
Own day-to-day financing operations
- Build and run and continuously improve workflows across the financing lifecycle (origination, documentation, underwriting support, funding, servicing coordination, and collections support).
- Own operational cadence, dDeal tracking, escalations, exception handling, and internal SLAs to keep deals moving.
- Ensure operational quality through checklists, controls, and strong documentation standards.
Build scalable processes and tooling
- Identify bottlenecks and failure points; design and implement process improvements to increase speed and reduce error rates.
- Develop SOPs, playbooks, templates, and QA processes that create consistency and enable scaling.
- Translate operational needs into clear requirements for Product/Engineering; support testing, rollouts, and adoption.
Use data to drive performance
- Monitor core operating metrics (turnaround times, approval/funding rates, exception rates, doc quality, customer friction points).
- Build lightweight dashboards and reporting to identify trends and drive prioritization.
- Run root-cause analysis on issues and implement fixes that stick.
Coordinate cross-functionally and with partners
- Partner with Sales and Finance to resolve customer issues quickly and create smoother handoffs.
- Support operational relationship management with external vendors/partners (e.g., verification tools, service providers, lending partners), including reporting and documentation requests.
- Help keep internal stakeholders aligned through clear updates, escalations, and process clarity.
Support compliance and controls
- Help ensure lending operations are executed in line with internal policies and applicable regulatory requirements.
- Maintain audit-ready documentation and operational controls as the program evolves.
What We’re Looking For
- Bachelor’s degree in Business, Finance, Economics, or a related field
- 3–5 years of experience in operations, business operations, fintech/lending ops, payments ops, or other process-heavy execution roles, exposure to credit/lending is a significant asset.
- Proven ability to thrive in a high-ownership environment—you take initiative, move fast, and drive outcomes with limited oversight.
- Strong operational judgment: you can balance speed, customer experience, and risk/quality.
- Analytical skills: comfortable using data (often imperfect) to prioritize work and measure impact.
- Excellent organization and attention to detail—especially in documentation-heavy workflows.
- Strong communication and stakeholder management skills across business and technical teams.
- Comfort operating in ambiguity and building structure where none exists.
- Nice to have:
- Exposure to consumer lending/credit, underwriting, loan origination/servicing, or regulated financial workflows.
- Experience working with Product/Engineering to automate operational processes.
- Familiarity with KYC/identity verification, credit bureaus, or collections/servicing operations