Director, U.S. Lending Program – Kiva

Director, U.S. Lending Program

Location: US Remote

About us:

Kiva ( is an international nonprofit with a mission to expand financial access to help underserved communities thrive. We run a global marketplace platform to crowdfund micro-loans for financially excluded entrepreneurs, farmers and students around the world. Through Kiva Capital, we serve as a bridge between large scale impact first investors and underserved populations. Our digital identity platform enables borrowers who don’t have a track record with traditional financial institutions to record and verify their financial history and gain access to less costly mainstream financial markets.

Our organization combines the culture and technological passion of an internet start-up with the compassion and empathy of a non-profit to create impact and opportunity at global scale. Since 2005, we have raised more than $1.57 billion in loan capital for 3.9 million borrowers in 98 countries. Our lenders fund over $10 million in loans every month. With offices in San Francisco, Portland, New York, Nairobi, and Bangkok, Kiva’s team includes 100+ employees and 400+ volunteers worldwide. Our team is growing as we pursue exciting new opportunities to create a financially inclusive world.

Our team

The Kiva U.S. team provides 0%, no fee loans of up to $15,000 to entrepreneurs and small businesses in the United States that are typically excluded from formal financing products. With no minimum credit score and an inclusive approach to underwriting, Kiva U.S. extends access to capital to small businesses across the country.

In communities and cities where there is an expressed gap in affordable financing options, Kiva offers a plug-in micro-lending partnership model for small business support centers, city governments and community development financial institutions called the Kiva Hubs program. In more than 40 cities like Oakland, New York, Detroit, and Pittsburgh, partners are developing small business ecosystems and deepening their impact by making Kiva loans accessible to the entrepreneurs they serve.

Role overview:

As the Kiva U.S Director, you will lead the Kiva US team reporting into the VP of Investments. Leading the team includes setting the vision, strategy, and key metrics to deliver on the program’s mission: Kiva US seeks to make loans to financially excluded entrepreneurs (women, underrepresented minorities, people living in rural areas) at scale. You will lead the US program to reach unprecedented scale in terms of impact, loan volume, and revenue while maintaining a consistently high repayment rate.

The core functions on the team include: Credit Operations and Underwriting, Partnership Success, and New Partnerships. You will be ultimately responsible for each of these functions hitting their objectives and key results.

We are seeking a highly organized, entrepreneurial and decisive leader with a passion for financial inclusion in the United States. In addition, the ideal candidate will be adept at managing up to senior leaders and will have a knack for knowing when to “say no” or tactfully walk away from strategies or partnerships that may not be in the program’s best interest.

A typical day in this role might look like reviewing our borrower conversion funnel and pipeline of new potential community based organization partners, discussing strategies with partnerships success managers on how to increase loan volume, and writing a national partnership proposal in conjunction with our Strategic Partnerships team.

At this time, we can only consider applicants with authorization to work in the United States on a permanent, full-time basis; unfortunately we cannot provide visa sponsorship.

Key responsibilities include: 

Program Leadership

  • Responsible for the overall program’s strategy, execution and P&L
  • Reporting out to the Executive Leadership Team on progress and roadblocks
  • Managing a team of 10+ people and 50+ organizational partners

Program Business Development

  • Communicate the value proposition of Kiva U.S. to prospective and existing partners
  • Represent Kiva U.S. on external calls with prospects and partners, conveying the mission, voice and theory of change of the program to external stakeholders, both national and local

Program Management

  • Track and report on key program metrics; communicate status, trends, and the “why” to senior and executive leadership
  • Make clear, timely, and well-documented decisions that may have long-term consequences for borrower supply and partner/lender demand in the marketplace
  • Regularly collaborate with the Kiva US Credit Operations staff to adjust course or update borrower policies as needed to support scale and manage risk
  • Collaborate cross-functionally with Marketing, Strategic Partnerships, Legal, Finance, Product, and Engineering to support the needs of the program

People Management

  • Manage the Business Development team in securing new revenue and/or supply-generating Hub, referral, and other partners
  • Manage the Partner Success team in successfully onboarding and stewarding relationships with our Hub, referral, and other partners
  • Manage the Credit Ops team to improve our borrower application conversion rate and help drive new thinking that changes the definition of creditworthiness
  • Provide regular professional development coaching and feedback to improve overall team and individual performance

General Operations

  • Create the operational rhythms that enable the Partnerships team to communicate clearly and efficiently, both internally and externally
  • Leverage Salesforce, Looker, and other data sources to make informed decisions that drive program outcomes
  • With support from Partnerships team staff, develop processes, systems, and tools that will lay the rails for strong partnership growth

Preferred Qualifications

  • 8+ years of relevant experience (program management, business development, operations)
  • Minimum 3 years experience as a people manager with demonstrated ability to cultivate and grow talent and build high-trust relationships
  • Strong growth mindset and an ability to masterfully manage multiple projects, priorities and relationships simultaneously
  • High degree of comfort problem-solving through change and ambiguity
  • Excellent communication skills, with the ability to weave compelling stories that move external and internal audiences to action
  • Eye for improving tools, systems, and processes for efficiency and scale
  • Leverage data to make grounded, high-impact business decisions
  • Familiarity with the US economic development at the macro or community level, experience with entrepreneurship and entrepreneurship ecosystems preferred
  • Experience collaborating with product, marketing and engineering functions preferred

What we offer:

  • An opportunity to improve real lives, solve hard problems, and change the world
  • Friendly, supportive, and adventurous environment with a team of engaged colleagues
  • A comprehensive, industry-leading benefits package
  • Opportunities to connect with and learn from colleagues and partners around the world

A diverse and inclusive workplace where we learn from each other is an integral part of Kiva’s culture. We actively welcome people of different backgrounds, experiences, abilities and perspectives. We are an equal opportunity employer and a great place to work. Join us and help us achieve our mission!


How to apply 

We will only accept applications directly from candidates. Kiva will not be responsible for any recruiting agency fees, absent a formal agreement.

Apply through this link

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