Own deal pricing models for CCBX partnerships across credit cards / loans, deposits, payments/card issuing, ACH/wires, KYC/AML/fraud, and related services; deliver unit economics (per‑transaction/account) and program‑level P&Ls.
Quantify revenue streams (e.g., program fees, interchange, float/interest spread, platform fees, implementation fees) and fully loaded costs (processing/network fees, KYC/AML, fraud losses/chargebacks, dispute ops, vendor/TPRM costs, support, cloud/tech, compliance/audit).
Incorporate funds transfer pricing (FTP), earnings credit, cost of funds, capital/CECL impacts, and shared cost allocations to produce contribution margin and pre‑tax profitability.
Build sensitivity and scenario models (volume ramps, mix shifts, pricing tiers/minimums, adverse loss scenarios) and define break‑even, NPV/IRR, and payback for executive decisioning.
Create term sheets and pricing exhibits; support commercial negotiations with data‑driven guardrails, floors, and concessions; partner with Legal on economics language.
Maintain a centralized repository of pricing decisions, model versions, and signed commercial terms; support audit and exam requests with complete financial files.
Continuously benchmark market pricing and network/processor fees; monitor regulatory or macro changes impacting BaaS economics and update guardrails accordingly.
Contribute to board and exec‑level materials: crisp memos, one‑page summaries, and appendix analysis that withstands scrutiny.

Requirements

5+ years in FP&A, commercial finance, or strategic finance; experience in banking/fintech/payments or other highly regulated industries strongly preferred.
Expert Excel modeling (driver‑based models, scenario/sensitivity; proficiency with SQL for data pulls/validation preferred.
Working knowledge of BaaS economics (interchange/network fees, deposit spreads/FTP, KYC/AML/fraud cost drivers) and allocation of shared services to deal‑level P&Ls.
Familiarity with capital markets concepts (cost of capital, warehouse funding/securitization, loan sales) and their influence on pricing and returns.
Comfort with board‑level storytelling: executive summaries, crisp exhibits, and clear recommendations supported by analytical rigor.
High integrity, strong ownership, excellent attention to detail, and the ability to manage multiple deals in parallel in a fast‑moving environment.

Benefits

Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
Holidays: Enjoy 11 paid holidays throughout the year.

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

Excel modelingSQLfinancial modelingsensitivity analysisscenario modelingpricing modelsKYCAMLP&L analysiscost allocation

Soft Skills

attention to detailownershipstorytellinganalytical rigorcommunicationnegotiationorganizational skillsexecutive presentationcollaborationtime management