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Mikinok Enterprises

Online direct lending with machine-learning underwriting

Technical Project Manager

Full-TimeUpdated on 10/23/2026
No salary listed
Junior
Bachelor's
Belcourt, ND, USA+3 moreMore locations: Minneapolis, MN, USA | Atlanta, GA, USA | San Diego, CA, USA
Hybrid
Project & Program ManagementProgram Management
No H1B Sponsorship

About the job

Requirements
  • A bachelor's degree or equivalent experience.
  • At least 2 years of progressive experience in project management.
  • A proven track record of delivering cross-functional projects on time, within budget, and to scope.
  • A general understanding of technical components such as application programming interfaces, user interfaces, and user interface quality assurance.
  • Strong organizational skills and experience managing one's own time and balancing multiple projects while remaining flexible, agile, and resilient in a dynamic environment.
  • Strong written and verbal communication, presentation, and interpersonal skills, including the ability to explain complex ideas to diverse audiences, including executive leadership.
  • The ability to influence without direct authority, negotiate solutions, and resolve conflicts effectively.
  • Strong analytical and problem-solving skills, with a strategic mindset.
  • A keen understanding of organizational change management principles.
Responsibilities
  • Take ownership of end-to-end planning, execution, and closure of strategic and complex technical projects, often managing multiple interdependent projects simultaneously.
  • Develop comprehensive project plans that align stakeholder requirements with company goals and coordinate technical and non-technical personnel throughout project phases, from discovery through implementation.
  • Identify and assess systemic project risks and dependencies, develop contingency plans, manage project crises, and return off-track initiatives to successful completion.
  • Communicate complex project information clearly and concisely, influence decisions, and secure necessary buy-in.
  • Build and maintain relationships with internal and external stakeholders, manage expectations, and facilitate conflict resolution.
Desired Qualifications
  • Proficiency in Jira and Confluence.
  • Certified Associate in Project Management certification.
  • Scrum Master experience.
  • Knowledge of federal lending regulations, including the Fair Credit Reporting Act and the Truth in Lending Act.
  • Knowledge of underwriting.
  • Knowledge of data science, modeling, and machine learning.

About the company

Mikinok Enterprises is a tribal-owned online lender that provides short-term consumer loans under the Spotloan brand. It uses a proprietary, machine learning–driven underwriting engine and big data analytics to assess risk, detect fraud, and predict repayment, enabling streamlined loan applications and approvals often in under 12 minutes. The platform is scalable enough to handle up to 250,000 applications per month, serving customers across the United States who may be rejected by traditional banks. Unlike many lenders, Mikinok operates as a federally chartered Section 17 corporation of the Turtle Mountain Band of Chippewa Indians (TMBCI) and channels its activities into economic development for the tribe, including community programs and employment on the reservation. Its goal is to generate revenue and opportunity for the TMBCI while expanding access to accessible credit through data-driven lending and efficient underwriting.

Company Size

51-200

Company Stage

N/A

Total Funding

N/A

Headquarters

N/A

Founded

N/A

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Simplify's Take

What believers are saying

  • Mikinok updated its site July 27, 2026, signaling active operations and ongoing borrower demand.
  • Spotloan’s August 21, 2026 FAQ says Ningo servicing should improve products and customer experience.
  • September 2026 hiring activity suggests the company still invests in credit strategy and operations.

What critics are saying

  • Washington DFI’s October 14, 2025 alert says Spotloan is unlicensed there, inviting enforcement.
  • Owens v. Blue Chip Financial, updated September 11, 2025, keeps rent-a-tribe claims alive.
  • A fresh usury ruling could crush Spotloan’s interstate lending model and erase Mikinok’s revenue.

What makes Mikinok Enterprises unique

  • Mikinok’s federally chartered Section 17 structure ties lending profits directly to Turtle Mountain’s development.
  • Spotloan’s underwriting returns decisions in under 12 minutes, faster than traditional subprime lenders.
  • The Tribe’s lending commission, not state licenses, governs Spotloan’s loans on-reservation since December 2, 2025.

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Benefits

  • Health Insurance
  • 401(k) Company Match
  • Paid Vacation
  • Professional Development Budget