Senior Finance Lead, Credit Card

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

📋 Description

• Take ownership of the Credit Card P&L, which includes monthly comparisons of forecasts to actuals, variance analysis, and financial reporting.

• Contribute to materials prepared for the board and executive team across the company.

• Act as the primary financial partner for the Credit Card leadership and participate in business-unit staff meetings.

• Identify financial risks and opportunities in real time, translating operational decisions into their financial implications.

• Develop and maintain the Credit Card unit economics model, which encompasses CAC, LTV, contribution margin, portfolio yield, delinquency, and loss curves.

• Assess new product offerings, pricing strategies, and credit line initiatives.

• Lead the Credit Card components of annual planning and quarterly reforecasts.

• Collaborate with Credit, Product, and Marketing to evaluate and size various initiatives.

• Convert model and portfolio performance into financial terminology for leadership.

• Recognize risks and opportunities while proactively suggesting strategic actions.

• Implement AI-driven workflows for reporting, variance analysis, and ad hoc modeling.

• Create and maintain dashboards and an automated reporting infrastructure.

⛳️ Requirements

• Over 6 years of experience in strategic finance, FP&A, business operations, management consulting, or investment banking.

• Strong preference for candidates with lending, credit card, or consumer finance experience.

• Proven track record of managing a P&L or the financial narrative of a business unit at a senior level.

• Direct interaction with business unit and executive leadership is essential.

• Robust skills in unit economics and financial modeling.

• Ideally, experience with credit/lending economics, including loss rates, yield, and CAC/LTV.

• Proficient in SQL.

• Hands-on experience utilizing AI tools like Claude, ChatGPT, or Copilot to enhance efficiency in financial analysis or reporting.

• Background in building and scaling AI-supported analysis workflows.

• Proven capability to build trust and influence among product, credit/risk, and marketing leaders.

• Resourceful and detail-oriented, with a hands-on approach.

• Exceptional strategic thinking skills and the ability to independently structure ambiguous problems with minimal oversight.

• Excellent verbal and written communication abilities.

• Comfortable presenting to senior, executive, and board-level audiences.

• An advanced degree (MBA or similar) is preferred.

• Experience working in international markets or with global/multi-currency businesses is a plus.

🏝️ Benefits

• Reimbursement for WFH office setup.

• Competitive compensation packages.

• Generous equity offerings.

• Flexible health plans available at all premium levels.

• Significant health plan subsidies.

• Direct exposure to the leadership team.

• Paid global onsite meetings twice a year.

• Opportunities for growth based on contributions rather than strict promotion timelines.