FP&A Manager, GTM Finance – Credit Products

This is a fully remote position, open to applicants in United States.

📋 Description

• Act as the financial liaison to Sales on active credit deals — modeling the complete economic framework: interchange, finance charges, fees, rewards costs, cost of funds, anticipated losses, network fees, and sponsor bank revenue share.

• Develop deal-specific models that encompass the entire life-of-portfolio economics — focusing not only on first-year interchange but also on how the deal performs as the portfolio evolves, revolve rates stabilize, and losses curve in.

• Collaborate with Credit Risk and Capital Markets teams to ensure that each deal model incorporates realistic loss assumptions, funding costs, and considerations for capital efficiency.

• Work alongside the credit function to establish foundational models for credit products, including monthly forecasts of volumes, receivables, payment rates, and loss curves with clearly defined assumptions for each metric, aligned with actual industry and internal data, featuring scenario analyses that support acquiring new bank partnerships (sponsor banks) and capital providers (warehouse facilities, return-on-capital projections, portfolio performance scenarios).

• Design multi-party revenue share structures involving program managers, sponsor banks, processors, and networks — while stress-testing how the splits function at various volume and performance tiers.

• Facilitate deal review meetings regarding credit deals with sales leadership, translating intricate credit economics into clear, actionable insights that assist in closing business without sacrificing margins.

• Develop and continually refine the credit-specific deal desk toolkit — including pricing benchmarks, loss-curve templates, capital-cost calculators, vintage performance models, and the integrated dashboards that unite them.

• Empower Sales to communicate confidently about credit economics with prospects — ranging from advanced fintech clients launching their second card program to commercial customers exploring a credit product for the first time.

• Remain informed about credit product advancements, regulatory changes (Reg Z, CFPB, state usury), and competitive trends in the credit issuing sector — integrating that intelligence into every deal.

• Collaborate closely with the broader deal desk team across debit, prepaid, and other product lines — stepping in on those deals when team bandwidth is needed, sharing expertise, supporting one another on significant deals, and collectively raising performance standards.

• Explore AI to enhance the efficiency and effectiveness of credit deal modeling — whether it involves automating portfolio projection models, speeding up scenario analysis, or developing internal tools that scale your judgment across a larger number of deals.

⛳️ Requirements

• A Bachelor's degree in a quantitative discipline — such as Finance, Accounting, Economics, Engineering, Math, or any field that has developed your numerical proficiency.

• 6-8 years of experience in financial planning and analysis, deal desk, pricing, credit product finance, or a related GTM finance role — with substantial exposure to credit card or lending economics.

• Comfortable navigating the credit economics landscape. You understand how interchange, finance charges, rewards funding, loss provisioning, and cost of funds integrate into deal-level economics. Concepts like vintage curves, charge-off rates, and revolve behavior are familiar to you.

• An outstanding collaborator and team player. You establish trust quickly with Sales, can push back constructively, step in when colleagues are overwhelmed, and view wins as collective achievements rather than individual successes. Other teams seek your presence when credit deals become intricate.

• A genuinely strong financial acumen. You are adept at modeling, comfortable with numerical ambiguity, and possess sufficient knowledge of credit risk modeling and capital markets concepts to be a credible partner to those teams.

• Thrives in high-pressure situations. Credit deals are time-sensitive and complex. You are energized by a fast-paced environment, multiple priorities, and the occasional urgent task — delivering precise work even when time is limited.

• AI-curious and eager to experiment. You already utilize AI tools in your daily tasks, hold views on what is overhyped versus genuinely useful, and view AI as a means to enhance productivity rather than a threat or a mere checkbox.

• Excellent written and verbal communication skills — capable of transforming a complicated credit deal structure with several moving parts into a concise one-slide summary for executives.

• Proactive, with a focus on improving processes instead of merely accepting them.

• Advanced proficiency in Excel; comfortable using Google Workspace.

🏝️ Benefits

• Multiple health insurance options available.

• Flexible time off – take what you need.

• Retirement savings program with company contributions and after-tax contributions.

• Equity in a publicly traded company and an Employee Stock Purchase Program.

• Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave.

• Free therapy sessions, financial and professional coaching, and legal consultations.

• Monthly stipend to support our remote work model.

• Annual “development dollars” allocated to support employee growth and development.

• Through Flex First, enjoy the freedom to live and work wherever you and your family thrive.