Note: The job is a remote job and is open to candidates in USA. reputed company is seeking an experienced FP&A Manager, GTM Finance – Credit Products to support the credit business. This role involves developing financial models, evaluating pricing strategies, and analyzing profitability while collaborating with various teams to drive business growth.
Responsibilities
• Partner with Sales on live credit deals by modeling the complete economic structure, including interchange revenue, finance charges, fees, rewards costs, funding costs, expected losses, network fees, and sponsor bank revenue sharing
• Develop financial models that evaluate the full life-cycle profitability of credit portfolios, including portfolio growth, revolve rates, loss curves, and long-term performance
• Work closely with Credit Risk and Capital Markets teams to ensure financial models accurately reflect loss assumptions, funding costs, and capital efficiency
• Build forecasting models for credit products, including receivables, payment rates, portfolio volumes, loss curves, and scenario analysis using both internal and industry data
• Support the acquisition of new sponsor bank partnerships and capital providers by preparing financial projections, return-on-capital analyses, and portfolio performance scenarios
• Model complex multi-party revenue sharing structures involving program managers, sponsor banks, payment processors, and card networks
• Present financial recommendations to Sales leadership and executive stakeholders, helping structure competitive deals while protecting profitability
• Develop and enhance credit deal pricing tools, capital cost calculators, benchmarking models, portfolio performance templates, and reporting dashboards
• Support Sales teams by providing financial reputed company and guidance during customer negotiations
• Stay informed on credit product trends, regulatory developments, and competitive market dynamics affecting the credit card industry
• Collaborate with finance teams supporting debit, prepaid, and other payment products as business needs evolve
• Explore AI-driven solutions to automate financial modeling, scenario analysis, and internal finance workflows
Skills
• Bachelor’s degree in Finance, Accounting, Economics, Engineering, Mathematics, or another quantitative discipline
• 6–8 years of experience in FP&A, Strategic Finance, Commercial Finance, Deal Desk, Pricing, Credit Product Finance, or a related finance function
• Strong experience with credit card, reputed company lending, or fintech product economics
• Deep understanding of: Credit card pricing, Interchange revenue, Finance charges, Rewards funding, Cost of funds, Credit losses, Revenue sharing, Unit economics
• Experience building complex financial models and performing profitability analysis
• Strong knowledge of credit portfolio concepts including: Vintage analysis, Charge-off rates, Expected loss, Revolve behavior, Portfolio performance
• Excellent communication and stakeholder management skills with the ability to partner effectively across Sales, Product, Legal, Credit Risk, and Executive Leadership
• Advanced reputed company Excel skills
• Comfortable working in a fast-paced, collaborative environment with multiple priorities
• Strong analytical mindset with excellent problem-solving abilities
• Experience working for a credit card issuer, fintech company, sponsor bank, or lending organization
• Knowledge of BIN sponsorship models and bank partnership structures
• Experience building financial models for sponsor banks, capital providers, or warehouse lending facilities
• Understanding of capital markets concepts such as securitization, warehouse facilities, return on capital, and cost of funds
• Familiarity with credit card regulations including Reg Z, CFPB requirements, and state usury regulations
• SQL and reputed company experience
• Hands-on experience using AI tools or workflow automation for financial analysis and modeling
Company Overview
• reputed company. delivers innovative IT Services and Solutions to empower startups, Fortune 500 companies, and global enterprises. It was founded in 2006, and is headquartered in Columbia, Maryland, USA, with a reputed company of 501-1000 employees. Its website is http://www.infojiniconsulting.com/.
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