Director, Financial Products & Strategy

Overview

Remote Director role in the Finance department, reporting to the Chief Financial Officer. This position owns the design, economics, development, performance, and ongoing optimization of the organization’s financial products. Responsibilities span Finance, Credit, Sales, Marketing, Revenue Operations, Credit Operations, Product, and Technology, serving as the primary business owner for the financial-product portfolio.

Responsibilities

Financial Product Ownership & Development

• Own the strategy, design, and ongoing development of financial products.
• Define target customers, product structure, loan amounts, tenors, pricing, fees, broker economics, competitive positioning, and overall value proposition.
• Lead development of new financial products from initial concept through launch and ongoing optimization.
• Translate market opportunities into product proposals, including economics, proposed credit parameters, operational requirements, technology requirements, and go-to-market considerations.
• Serve as primary business owner for strategic product partnerships, including ongoing development and optimization of existing offerings.

Product Economics, Planning & Pricing

• Develop and maintain rigorous product-level economic models covering pricing, expected losses, cost of capital, operational costs, broker compensation, conversion, renewals, and customer lifetime value.
• Evaluate tradeoffs among pricing, loan amount, tenor, credit quality, incentives, and other product variables to optimize risk-adjusted returns.
• Partner with Finance and Credit to establish product-level return targets and measure actual performance against expectations.
• Lead product-level forecasting and scenario-analysis capabilities connecting product strategy, customer behavior, credit performance, and unit economics to the financial plan.
• Implement and continuously develop Pigment as an FP&A, forecasting, and scenario-planning platform, partnering with Finance and other functional leaders to improve planning, forecasting, and management decision-making.
• Build analytical infrastructure to evaluate product performance, model strategic alternatives, and support increasingly data-driven decisions.

Market & Competitive Intelligence

• Build a structured competitive-intelligence capability using inputs from brokers, customers, Sales, Marketing, industry research, and internal performance data.
• Monitor competitor pricing, terms, credit appetite, product features, broker economics, customer experience, and win/loss drivers.
• Translate market intelligence and customer feedback into actionable changes to products, pricing, and strategy.
• Evaluate product-market fit and identify opportunities for new products or underserved customer segments.

Customer & Portfolio Analytics

• Develop understanding of customer behavior, including renewal rates, repeat usage, retention, and lifetime value.
• Incorporate customer lifetime economics into product, pricing, credit, and acquisition decisions.
• Establish product-level performance measurements for growth, conversion, credit performance, profitability, and risk-adjusted returns.

Cross-Functional Leadership

Partner across the organization to turn product strategy into execution:

• Credit: Propose credit parameters and evaluate potential policy changes (Credit retains independent authority for credit policy and risk governance).
• Product & Technology: Define business and financial-product requirements and partner with Platform and UX Product Management to translate needs into technology capabilities and customer experiences.
• Revenue Operations: Ensure sales processes, systems, analytics, workflows, and enablement support product strategy.
• Credit Operations: Ensure products can be efficiently and consistently underwritten and administered.
• Sales & Marketing: Gather market intelligence, understand customer and broker needs, develop go-to-market strategies, and drive product adoption.
• Finance & Analytics: Develop product economics, forecasts, performance measurement, and decision-support capabilities.

Measures of Success

Success will be evaluated based on performance and decision-quality across financial products, including:

• Product growth and profitability
• Risk-adjusted returns and IRR
• Pricing effectiveness
• Approval and conversion performance
• Customer acquisition economics and lifetime value
• Credit performance relative to expectations
• Competitive positioning and product-market fit
• Accuracy and sophistication of product-level forecasting
• Successful development and launch of new products
• Successful implementation and adoption of Pigment
• Quality and effectiveness of product and competitive intelligence

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or related field (MBA, CPA, or CFA preferred).
• 10+ years of experience in finance, with at least 5 years in a leadership role.
• Proven experience in financial management, strategic planning, and risk management.
• Deep knowledge of financial reporting, accounting standards, and regulatory compliance.
• Strong leadership, interpersonal, and communication skills.
• Expertise in financial modeling, forecasting, and data analysis.
• Experience with ERP systems and advanced Excel skills.
• Demonstrated ability to manage relationships with investors, bankers, and other external partners.
• Experience in the fintech industry, including familiarity with capital market transactions such as debt warehouse facilities and securitizations.

Preferred Qualifications

• Experience spanning financial services, banking, lending, fintech, or specialty finance.
• Financial-product development and management, including pricing, profitability, and unit-economics analysis.
• FP&A, strategic finance, or corporate strategy experience.
• Credit and lending economics, including scenario planning.
• Product, program, or project management experience.
• Technology-enabled business transformation experience.

Compensation & Benefits

Compensation details are not provided in the job description.

Location

Remote