Senior Finance Lead, Credit Card

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Finance Lead, Credit Card based in the United States. The Senior Finance Lead will serve as the embedded strategic finance partner for a high-growth Credit Card business. This role owns the business unit’s P&L, forecasting, reporting, and core unit economics while helping leadership make high-impact decisions. You will work closely with Product, Credit and Risk, Data Science, Marketing, and executive stakeholders to translate operating decisions into financial outcomes. The position combines rigorous financial modeling with strategic problem-solving, business partnership, and hands-on execution. You will evaluate opportunities across pricing, customer acquisition, portfolio strategy, and credit performance while identifying risks and opportunities proactively. The role also offers the opportunity to modernize finance workflows through AI, automation, and improved reporting infrastructure. With significant autonomy and executive visibility, you will help shape the strategic direction and financial performance of the Credit Card business. Own the Credit Card P&L, including monthly forecast-versus-actual reporting, variance analysis, financial performance tracking, and inputs to executive and board-level materials. Serve as the primary finance partner to Credit Card leadership, participating in business unit discussions and translating operational decisions into financial implications. Develop and maintain comprehensive Credit Card unit economics models covering CAC, LTV, contribution margin, portfolio yield, delinquency, loss curves, and other key performance drivers. Use unit economics and financial analysis to evaluate product, pricing, acquisition, credit line, and portfolio strategy initiatives. Lead Credit Card inputs into annual planning cycles and quarterly reforecasts, ensuring assumptions are well supported and resource tradeoffs are clearly understood. Partner with Product, Credit, Risk, Data Science, and Marketing teams to build rigorous business cases for new initiatives and strategic investments. Translate portfolio and credit performance indicators, including delinquency, roll rates, approval decisions, pricing strategies, and loss performance, into financial insights for leadership. Independently identify emerging financial risks, growth opportunities, and performance trends and proactively present recommendations to senior stakeholders. Challenge assumptions constructively and provide data-driven alternatives that improve business decisions. Identify and implement AI-enabled finance workflows using tools such as Claude, ChatGPT, Copilot, and internal automation platforms to accelerate reporting, variance analysis, modeling, and other recurring processes. Help establish responsible and effective AI-assisted analysis practices that can scale across the broader strategic finance function. Build and maintain dashboards and automated reporting infrastructure that makes Credit Card performance metrics accessible, self-service, and decision-ready. Communicate financial performance, strategic recommendations, risks, and opportunities clearly to business unit leaders, executives, and potentially board-level audiences. Operate with substantial autonomy, taking ownership of ambiguous problems and shaping strategic direction rather than simply executing predefined plans. Requirements: 6+ years of experience in strategic finance, FP&A, business operations, management consulting, investment banking, or a closely related field. Experience in lending, credit cards, consumer finance, or related financial services is strongly preferred. Demonstrated experience owning a P&L or the financial narrative of a business unit at a senior level, including direct engagement with business unit and executive leadership. Strong financial modeling and unit economics capabilities, ideally including experience w