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John Witterschein

VP, Head of Consumer Credit

Bethpage Federal Credit Union

Country or State

United States


Highly accomplished consumer and residential lending executive with proven ability to build profitable lending portfolios through disciplined product management, prudent risk management including AI technology, and development of new acquisition channels. I am currently managing Home Equity (HELOC) and Consumer Lending at Bethpage Federal Credit Union. Bethpage is the 10th largest Home Equity originator in the nation, on pace to generate $1B in annual originations. Bethpage has a national presence with nearly 50% of HELOC volume outside of our Long Island footprint. Auto lending has expanded significantly under my leadership as we have expanded beyond our Long Island footprint. The total auto portfolio is now over $1.1B Loan growth of nearly 20% CAGR during my tenure has been achieved through the development and/or launch of acquisition of digital and call center sales channels which now represent 40% of Bethpage consumer lending volume. My team manages product and credit risk responsibilities for HELOC, credit card, auto, personal loans, and private student loans. Previous experience at Citigroup includes managing Direct-to-Consumer digital originations initiatives that drove direct-to-consumer mortgage acquisitions loan volume to nearly $6B in 2012.

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Current Position

VP, Head of Consumer Credit at Bethpage Federal Credit Union


MBA, Marketing/Finance