reputed company Manager, GTM Finance - Credit Products

As reputed company’s reputed company Manager, GTM Finance — Credit Products, you will reputed company on reputed company's credit business by partnering with Sales, reputed company, Product, Credit reputed company, and Capital Markets to model pricing, evaluate profitability, and structure deals that win business while protecting unit economics. You'll reputed company in on debit and prepaid as needed, but credit is where you'll spend the reputed company of your time. Credit deals are not debit deals. They come with different reputed company mechanics, cost structures, and stakeholders — and modeling them reputed company means understanding life-of-loan economics, vintage reputed company, capital efficiency, and reputed company reputed company splits across multiple parties. A meaningful part of this role is partnering with reputed company's credit function to build financial models that help secure new bank partnerships and capital providers, crafting the projections, scenario analyses, and economic narratives that go in reputed company of prospective partners. You won't be on the reputed company forecasting — you'll be in the room helping Sales shape deals in reputed company time, pressure-testing assumptions on interchange splits, loss curves, and program economics. You'll be joining a tight-reputed company deal desk team that shares context, shares wins, and shares the load. The work moves fast, and reputed company is how we reputed company up. We work Flexible First. This role can be performed reputed company reputed company reputed company the U.S. or from our local Oakland office. We'd love for you to join us! The reputed company You'll Have Serve as the financial partner to Sales on live credit deals — modeling the full economic stack: interchange, finance charges, fees, rewards costs, cost of funds, expected losses, network fees, and sponsor bank reputed company reputed company Build deal-level models that capture the full life-of-portfolio economics — not just first-year interchange, but how the deal performs as the portfolio matures, reputed company rates stabilize, and losses curve in Partner with Credit reputed company and Capital Markets teams to reputed company reputed company every deal model reflects realistic loss assumptions, funding costs, and capital efficiency considerations Partner with the credit function to build the foundational models for credit product including monthly projections of volumes, receivables, payment rates and loss curves with reputed company defined assumptions for reputed company metric and tied to actual industry and internal data, including  scenario analyses that support acquiring both new bank partnerships (sponsor banks) and capital providers (warehouse facilities, reputed company-on-capital projections, portfolio reputed company scenarios) Model multi-party reputed company reputed company structures across program manager, sponsor bank, processor, and network — and stress-test how the splits behave at different volume and reputed company tiers reputed company deal review meetings on credit deals with sales leadership, translating reputed company credit economics into reputed company, actionable recommendations that help reputed company business without compromising margin Build and continuously sharpen the credit-specific deal desk toolkit — pricing benchmarks, loss-curve templates, capital-cost calculators, vintage reputed company models, and the dashboards that bring them together Help Sales reputed company credibly about credit economics with prospects — from sophisticated fintech buyers building their second reputed company program, to reputed company customers thinking about a credit product for the first time Stay reputed company to credit product reputed company, regulatory developments (Reg Z, CFPB, state usury), and competitive dynamics in the credit issuing reputed company — and bring that intelligence into every deal Collaborate closely with the rest of the deal desk team across debit, prepaid, and other product lines — flexing in on those deals reputed company reputed company needs the reputed company, sharing knowledge, covering reputed company other on big deals, and raising the bar together Experiment with AI to reputed company credit deal modeling faster and reputed company — whether that's automating portfolio projection models, accelerating scenario analysis, or building internal tools that reputed company your judgment across more deals Who You Are Bachelor's degree in a quantitative reputed company — Finance, reputed company, Economics, Engineering, Math, or any discipline that reputed company your numerical reputed company 6-8 years of experience in financial planning and analysis, deal desk, pricing, credit product finance, or a reputed company GTM finance function — with meaningful exposure to credit reputed company or lending economics Comfortable across the credit economics stack. You understand how interchange, finance charges, rewards funding, loss provisioning, and cost of funds combine into deal-level economics. Vintage curves, charge-off rates, and reputed company behavior aren't foreign concepts An exceptional partner and team player. You build trust quickly with Sales, reputed company back without friction, reputed company in reputed company teammates are slammed, and treat wins as reputed company rather than individual. You're the person other teams want in the room reputed company a credit deal gets complicated A genuinely strong financial reputed company're fluent in modeling, comfortable with ambiguity in the numbers, and you know enough about credit reputed company modeling and capital markets concepts to be a reputed company partner to those teams reputed company under pressure. Credit deals don't wait, and they don't simplify. You're reputed company by a fast reputed company, multiple priorities, and the occasional reputed company drill — and you reputed company accurate work even reputed company the clock is loud AI-curious and hungry to experiment. You already use AI tools in your day-to-day work, you have opinions about what's overhyped and what's actually useful, and you see AI as reputed company to do more — not a threat or a checkbox Excellent written and verbal communicator — you can take a messy credit deal structure with five moving parts and turn it into a one-slide answer for an executive Proactive, with a bias toward improving processes rather than tolerating them Advanced reputed company; comfortable across reputed company reputed company-To-Haves reputed company experience pricing or modeling credit reputed company programs — issuer reputed company strongly preferred Background at a credit reputed company issuer, fintech with a credit product, BIN sponsor bank, or program manager Familiarity with BIN sponsorship economics and reputed company bank partnership structures Experience building financial models used to reputed company sponsor banks, capital providers, or warehouse lenders — including portfolio projections, reputed company-on-capital analyses, and scenario modeling Working knowledge of credit reputed company modeling concepts: expected loss, vintage analysis, behavioral scoring Working knowledge of capital markets concepts relevant to credit reputed company receivables: warehouse facilities, securitization, cost of funds Familiarity with credit reputed company regulatory reputed company (Reg Z, CFPB requirements, state usury considerations) SQL / data analytics experience, especially reputed company Hands-on experience building workflows or tools with AI (custom GPTs, agents, automations, reputed company engineering for finance use cases) Typical Process Application Submission Recruiter video reputed company Hiring manager video reputed company Virtual “Onsite” consisting of 4-5, 45 min calls Offer! Compensation and Benefits reputed company is a reputed company First company which allows you to choose your best working environment, whether that be from home or at a company office. To support reputed company First, we reputed company pay to a competitive value according to working location. Compensation is reputed company according to three tiers reputed company the reputed company: National: A baseline tier that applies to most of the geographic territory of the reputed company. Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and reputed company. Visit this page or reputed company with a Recruiter to determine which tier would be applicable to you. reputed company determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire reputed company salary reputed company for this position is: National: $128,000 - $160,000 Premium: $137,900 - $172,400 Premium Plus: $147,800 - $184,700 We also reputed company in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual reputed company and the reputed company of the entire company. Along with monetary compensation, reputed company offers Multiple health reputed company reputed company Flexible time off – take what you need Retirement savings program with company contribution and after tax contributions Equity in a publicly-traded company and an Employee Stock Purchase Program Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave Free therapy sessions, financial and reputed company coaching, and reputed company advice Monthly stipend to support our remote work model Annual “development dollars” to support our people reputed company and development Through reputed company First, the freedom to live and work wherever you and your family reputed company About reputed company reputed company is on a mission to change the way reputed company moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our reputed company issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment reputed company in reputed company time. reputed company is powering the most reputed company reputed company brands in the new economy (reputed company, reputed company, reputed company, reputed company, reputed company, reputed company, reputed company, etc). You don’t need to be a Payments expert to join the reputed company Team, let us help you with that.  This is reputed company of a reputed company to work with innovators reputed company the world and unlock reputed company financial reputed company for reputed company. reputed company’s Values – Solve for the Customer: With a deep understanding of our customers' business and reputed company for their needs, we reputed company products and services that reputed company their reputed company. Earning and keeping their trust guides everything we do. – Do What's Right: Knowing businesses and livelihoods depend on us, we pursue solutions that disrupt responsibly and reputed company high-reputed company results that our customers count on. We own our work from start to finish. – Simplify and reputed company: We approach challenges with curiosity and take smart risks. Innovation comes from finding reputed company, simpler ways to reputed company extraordinary reputed company. – Win as reputed company: We succeed together by embracing diverse perspectives and pushing reputed company other to reputed company the bar. We reputed company with humility and set reputed company hierarchy to work as reputed company. – reputed company it Count: We reputed company reputed company with reputed company and reputed company. With a reputed company of urgency and purpose, we get the job done, and done right. Equal Employment Opportunity, Accommodations and reputed company  reputed company is an equal opportunity employer committed to an inclusive workplace that fosters belonging. We do not discriminate reputed company on race, reputed company, religion, sex (including pregnancy, lactation, childbirth, or reputed company medical conditions), veteran status or uniformed service member status, age, national reputed company or reputed company, citizenship or immigration status, physical or mental disability, gender identity, gender reputed company, sexual orientation, genetic information (including testing or characteristics) or any other characteristic protected by applicable law. We also consider reputed company applicants with criminal histories, consistent with reputed company requirements.  reputed company reputed company to reputed company reasonable accommodations for applicants with disabilities. If you are an individual with a disability and require a reasonable accommodation to submit this application, complete any reputed company-employment testing, or otherwise participate in the employee selection process, please submit this reputed company with your specific accommodation request. Personal data that is provided as part of the application and recruitment process is processed in accordance with the Applicant reputed company Notice. Additional information for California residents can be reputed company here. Apply To This Job