LHPH Capital is a dynamic well capitalized stable small business bringing integrity and purpose to a niche space in subprime auto lending. We strive for a true work-life balance and promote it through a 4-day work week, a generous bonus plan, benefits package and actually having fun together as a team!
The Managing Director (MD) at LHPH Capital is responsible for leading and optimizing lending operations, ensuring strong portfolio performance, dealer satisfaction, overall dealer relationship management. This role serves as the bridge between strategic direction and execution, overseeing the overall dealer relationship from Commitment to End. The MD ensures all lending activities align with risk management policies and profitability goals while working closely with the VP of Business Development, VP of Risk, and reporting directly to the CEO.
Key Responsibilities:
- Owns the dealer onboarding process, ensuring a seamless transition from sales to lending.
- Collaborate with the VP of Business Development to onboard new high-quality dealer.
- Review and analyze borrower financial reports, aged receivables, inventory, and KPIs to assess operational and financial health.
- Serve as the primary point of contact for current borrower inquiries, including credit line adjustments and performance reviews.
- Serve as the executive point of contact for key dealers requiring high-level attention.
- Proactively provide business insights and recommendations to dealers on portfolio performance improvement.
- Address noncompliance issues, ensuring dealers submit required reports and meet risk thresholds.
- Implement correction plans for underperforming dealers, working with the VP of Risk and Underwriters to mitigate issues.
- Provide insights into loan origination and lending operations, ensuring efficient funding cycles.
- Work closely with the VP of Risk to ensure credit policies are executed effectively.
- Work closely with VP of Risk & VP of Business Development to optimize advance rates, loan structures, and pricing strategies to balance growth and risk.
- Work with AVP of Operations to ensure data-driven insights from Solutions Software are integrated into credit and lending decisions.
- Provide monthly and quarterly performance reports, outlining origination trends and risk metrics.
- Requires travel of up to 30% to attend industry conferences, events, and conducts dealer site visits.
