Senior Finance Lead, Credit Card

Overview

This role is part of the organization’s Strategic Finance (StratFin) team and is dedicated to the Credit Card business unit. You will serve as the embedded finance lead for Credit Card—owning the P&L, driving forecasting and unit economics, and acting as the primary financial thought partner to Credit Card product, credit/risk, and marketing leadership. The position is high-visibility, with direct exposure to BU and executive leadership and regular input into board-level reporting. Significant autonomy is expected, including shaping strategic direction for the business.

Responsibilities

• Own the Credit Card P&L: Drive the monthly forecast-vs-actual process, variance analysis, and financial reporting for the Credit Card business, including inputs to company-wide board and executive materials.
• Serve as embedded finance partner: Act as the primary point of contact between Finance and Credit Card leadership. Attend BU staff meetings, flag financial risk/opportunity in real time, and translate operating decisions into financial impact.
• Own unit economics: Build and maintain the Credit Card unit economics model (CAC, LTV, contribution margin, portfolio yield, delinquency and loss curves) and use it to evaluate new product, pricing, and credit line initiatives.
• Lead planning cycles: Lead Credit Card-specific inputs to annual planning and quarterly re-forecasts, ensuring assumptions are grounded and resourcing tradeoffs are explicit.
• Build business cases: Partner with Credit, Product, and Marketing to size and evaluate new initiatives (pricing changes, acquisition channel shifts, portfolio strategy) using rigorous, data-backed analysis.
• Partner with Credit/Data Science on portfolio performance: Translate model and portfolio performance (delinquency, roll rates, approval/pricing strategy) into financial terms for leadership.
• Shape strategic priorities: Independently identify risks and opportunities in the Credit Card business and proactively bring recommendations to leadership.
• Drive AI-enabled finance workflows: Identify and implement opportunities to use AI tools (e.g., Claude, internal automation via Aleph/Databricks) to accelerate reporting, variance analysis, and ad hoc modeling—reducing manual cycle time and freeing capacity for higher-value strategic work. Help set an example for the broader StratFin team on responsible, effective AI-assisted analysis.
• Improve reporting infrastructure: Build and maintain dashboards and automated reporting so Credit Card metrics are visible, self-serve, and decision-ready.

Requirements

• 6+ years of experience in strategic finance, FP&A, bizops, management consulting, or investment banking
  • Lending, credit card, or consumer finance experience strongly preferred
• Proven track record of owning a P&L or business unit financial narrative at a senior level, including direct engagement with BU and executive leadership
• Strong unit economics and financial modeling skills, ideally with exposure to credit/lending economics (loss rates, yield, CAC/LTV)
• Comfortable with SQL; experience with Databricks and/or Aleph is a plus
• Hands-on experience using AI tools (e.g., Claude, ChatGPT, Copilot) to drive real efficiency gains in financial analysis or reporting—demonstrated habit of building and scaling
• Proven ability to build trust and influence with non-finance BU leaders (product, credit/risk, marketing), including pushing back on flawed assumptions and supplying alternatives
• Get-it-done mindset; resourceful and hands-on, comfortable working through details despite seniority
• Strong strategic thinking; ability to structure ambiguous problems independently, with minimal oversight
• Excellent verbal and written communication skills, including comfort presenting to senior/executive and board-level audiences
• Advanced degree (MBA or related) preferred; experience working across international markets or with global/multi-currency businesses is a plus

Compensation & Benefits

• Virtual-first teamwork: Collaboration across 14 countries and 12 time zones; WFH office reimbursement
• Competitive pay: Competitive compensation packages and generous equity
• Complete support: Flexible health plans at every premium level, with substantial subsidies
• Paid global onsites: Two company gatherings per year; locations have included Vail, San Diego, and Mexico City
• Visibility and growth: Direct exposure to leadership; growth opportunities tied to contributions rather than rigid promotion timelines

Location

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