Fintech / Consumer Lending Consultant (Direct Lending + Bank Partnership Structuring)

We are seeking an experienced consumer finance / lending consultant to advise on the development and structuring of a new financing company that will operate alongside an existing business.

This is a strategic consulting and advisory role for someone who has real-world experience helping launch or structure lending operations, including both direct lending models and bank partnership (“rent-a-bank”) structures.

We are intentionally keeping the project details confidential at this stage, so we are looking for someone who can work under discretion and guide a multi-phase process from planning through implementation.

Project Overview

We are building a financing company designed to support a broader business ecosystem.

The goal is to create a properly structured lending operation that is:

Legally compliant

Operationally scalable

Attractive to future capital partners

Structured for long-term growth

This is a longer-term consulting engagement where you will act as a strategic advisor throughout the process.

Scope of Advisory

You will help advise on areas such as:

Lending Model Strategy

Direct lending model design

Bank partnership / rent-a-bank framework

Evaluating pros/cons of each structure

⚖️ Regulatory & Compliance Guidance

Structuring for multi-state lending operations

Licensing pathways and requirements

Consumer finance compliance considerations

Vendor and servicing structure recommendations

Corporate & Operational Structuring

Legal entity strategy

Operational framework for lending workflows

Underwriting, servicing, collections, and reporting considerations

Designing a scalable operating model

Capital Markets & Funding Considerations

Structuring loans for future note sales

Secondary market readiness

Warehouse lines / funding relationships

Preparing for institutional partnerships

Ongoing Strategic Support

Consulting throughout setup and implementation

Reviewing vendor options

Helping navigate operational decisions as the company develops

Ideal Candidate

We are looking for someone who has:

Direct experience in:

Consumer lending

Fintech or specialty finance

Bank partnership / sponsor bank models

Loan purchasing or secondary markets

Experience with:

Lending compliance frameworks

Lending company formation

Building finance operations from the ground up

Strong understanding of:

Risk management

Capital structures

Lending operations

⭐ Highly Preferred

Experience launching or advising:

Point-of-sale lending companies

Consumer installment lending businesses

Specialty finance programs

Existing familiarity with:

Bank partnership ecosystems

Lending compliance vendors

Note sale structures

Engagement Structure

Fractional / consulting role

Long-term advisory relationship preferred

Flexible engagement depending on experience and involvement

How to Apply

Please include:

Relevant experience in lending or fintech

Examples of similar projects or structures worked on

Areas of expertise (direct lending, compliance, bank partnerships, note sales, etc.)

Your preferred consulting structure

We are looking for someone who can provide high-level strategic guidance combined with practical execution insight throughout a complex and multi-stage process.