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 we're 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 1,700 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 CKM’s 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 CKM’s 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

• 8–10 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 Intuit’s ability to deliver safe, compliant, and scalable consumer lending experiences. You’ll 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 Karma’s mission of championing financial progress for all starts from within. That’s 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. It’s all part of a more comprehensive DEI strategy that helps level the playing field. The base salary for this role is $191,083, 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. We’ve 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.

Privacy Policies:

Credit Karma is strongly committed to protecting personal data. Please take a look below to review our privacy policies:

US Job Applicant Privacy Notice

UK Job Applicant Privacy Notice