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.