Senior Finance Lead, Credit Card

Accountabilities: Own the Credit Card P&L, including monthly forecast-versus-actual reporting, variance analysis, financial performance tracking, and inputs to executive and board-level materials.

Serve as the primary finance partner to Credit Card leadership, participating in business unit discussions and translating operational decisions into financial implications.

Develop and maintain comprehensive Credit Card unit economics models covering CAC, LTV, contribution margin, portfolio yield, delinquency, loss curves, and other key performance drivers.

Use unit economics and financial analysis to evaluate product, pricing, acquisition, credit line, and portfolio strategy initiatives.

Lead Credit Card inputs into annual planning cycles and quarterly reforecasts, ensuring assumptions are well supported and resource tradeoffs are clearly understood.

Partner with Product, Credit, Risk, Data Science, and Marketing teams to build rigorous business cases for new initiatives and strategic investments.

Translate portfolio and credit performance indicators, including delinquency, roll rates, approval decisions, pricing strategies, and loss performance, into financial insights for leadership.

Independently identify emerging financial risks, growth opportunities, and performance trends and proactively present recommendations to senior stakeholders.

Challenge assumptions constructively and provide data-driven alternatives that improve business decisions.

Identify and implement AI-enabled finance workflows using tools such as Claude, ChatGPT, Copilot, and internal automation platforms to accelerate reporting, variance analysis, modeling, and other recurring processes.

Help establish responsible and effective AI-assisted analysis practices that can scale across the broader strategic finance function.

Build and maintain dashboards and automated reporting infrastructure that makes Credit Card performance metrics accessible, self-service, and decision-ready.

Communicate financial performance, strategic recommendations, risks, and opportunities clearly to business unit leaders, executives, and potentially board-level audiences.

Operate with substantial autonomy, taking ownership of ambiguous problems and shaping strategic direction rather than simply executing predefined plans.

Requirements:

6+ years of experience in strategic finance, FP&A, business operations, management consulting, investment banking, or a closely related field.

Experience in lending, credit cards, consumer finance, or related financial services is strongly preferred.

Demonstrated experience owning a P&L or the financial narrative of a business unit at a senior level, including direct engagement with business unit and executive leadership.

Strong financial modeling and unit economics capabilities, ideally including experience with lending or credit economics such as loss rates, portfolio yield, CAC, and LTV.

Comfortable using SQL for analysis and working with data to investigate business performance and develop actionable insights.

Experience with Databricks and/or Aleph is a plus.

Demonstrated hands-on use of AI tools such as Claude, ChatGPT, or Copilot to create meaningful efficiencies in financial analysis, reporting, modeling, or other finance workflows.

Ability to build trust and influence with non-finance leaders across Product, Credit, Risk, Marketing, and other functions.

Confidence challenging flawed assumptions and presenting practical, data-backed alternatives.

Strong strategic thinking and the ability to independently structure ambiguous or complex business problems with minimal oversight.

Hands-on, resourceful approach with a willingness to work in the details despite operating at a senior level.

Excellent written and verbal communication skills, including comfort presenting to senior executives and board-level stakeholders.

Strong ownership mindset, sound judgment, and the ability to balance strategic priorities with rigorous financial analysis.

An MBA or other advanced degree is preferred.

Experience working across international markets or global, multi-currency businesses is a plus.

Candidates who do not meet every listed qualification but demonstrate strong potential, ambition, and relevant transferable experience are encouraged to apply.

Benefits:

Competitive compensation package with generous equity participation .

Virtual-first work environment supporting collaboration across 14 countries and 12 time zones .

Work-from-home office reimbursement to support an effective remote workspace.

Flexible health plan options across different premium levels, with substantial employer subsidies.

Direct exposure to senior and executive leadership, providing meaningful visibility and influence.

Paid global company gatherings held twice each year, with previous team events in destinations such as Vail, San Diego, and Mexico City.

Growth opportunities based on contribution and impact rather than rigid promotion timelines.

Opportunity to work on innovative financial products and help shape a modern approach to consumer credit.

Collaborative, inclusive culture that values excellence, ownership, curiosity, mutual respect, and meaningful impact.

Opportunity to use emerging AI and automation technologies to transform finance processes and increase strategic capacity.

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