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Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us.

Come join the Lending Operations team. Varo's lending business is growing quickly, so this is the perfect opportunity to have a major impact on Varo's growth and profitability.

As the Lending Operations Manager, you will be the principal individual contributor driving strategic direction, highly complex process re-design, and risk mitigation for Varo's growing lending business. You are a trusted expert comfortable operating at the intersection of business strategy, regulatory compliance, and execution. You will be responsible for leading deep-dive analysis, translating complex data into organization-wide strategies that significantly drive operational efficiency, profitability, and regulatory compliance across all aspects of Varo Bank's loan servicing operations.

ABOUT THE LENDING OPERATIONS TEAM

We're the people that enable the lending business to grow at scale. The primary focuses for the team include credit reporting, where we provide accurate and timely information to the credit bureaus and resolve disputes. We also focus on payment troubleshooting, implementing both short-term fixes and long-term solutions when system issues prevent customer payments from getting applied correctly. Additionally, our work in collections involves partnering with third-parties to help customers get back on track and continue their banking relationship with Varo. Finally, through analytics, we track the effectiveness of our collection efforts and make adjustments based on our analysis.

What you'll be doing

• Serve as the principal subject matter expert (SME) and final escalation point for the most complex and highest-risk Lending Operations workflows, providing guidance and direction to other team members
• Own the strategic roadmap and end-to-end performance of mission-critical operational processes, including defining, monitoring, and optimizing organization-wide SLAs and quality assurance metrics to ensure long-term efficiency and scalability
• Proactively identify and lead the design and implementation of internal controls and procedure documentation to mitigate significant operating and regulatory risk, ensuring proactive compliance with regulations (e.g., Reg Z, Fair Credit Reporting Act)
• Spearhead and direct complex, cross-functional initiatives with Product, Engineering, and Risk teams to fully automate and fundamentally re-design core lending processes, managing stakeholder alignment
• Mentor and coach junior team members on best practices in lending operations, advanced analytics, and regulatory interpretation, setting the bar for operational excellence

You'll bring the following required skills and experiences

• 5+ years of progressive experience in financial services operations, with principal-level expertise in lending and collections.
• CDIA certification (desirable, but not a prerequisite)
• Expertise in key lending regulations (e.g., Reg Z, FCRA) with a proven ability to interpret and translate complex regulatory changes into scalable, compliant operational procedures and controls
• A proven track record of leading successful, end-to-end operational process re-design and implementation with multi-million dollar or organizational-level measurable impact
• Expert analytical and problem-solving skills, including the ability to leverage advanced data modeling and complex query techniques (e.g., SQL) to drive strategic decision-making and quantify organizational impact
• Ability to multitask, establish priorities, and maintain high quality with attention to detail while working in a fast-paced startup environment
• High motivation, enthusiasm and dedication to deliver results within strict timelinesExcellent communication skills, both verbal and written
• Proven ability to influence and collaborate with cross-functional leadership without direct reporting authority
• Positive attitude, enthusiasm, professionalism and strong work ethic with high-level of integrity
• Executive-level presentation and advanced writing skills, with experience developing and presenting strategic proposals to senior leadership

$60,000 - $100,000 a year

For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Per applicable law, the salary range for this role is $60,000 - $100,000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range.

This role is also eligible for a bonus, equity, and competitive benefits.

We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you!

About Varo

Varo launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer.

As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system.

Learn more about Varo by following us:

Facebook - https://www.facebook.com/varomoney

Instagram - www.instagram.com/varobank

LinkedIn - https://www.linkedin.com/company/varobank

Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Beware of fraudulent job postings!

Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail [email protected] with the pertinent information and contact information.

CCPA Notice at Collection for California Employees and Applicants:

https://www.varomoney.com/privacy-legal/

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.