Chief Financial Officer

Snout

6h•$180,000 - $220,000•Hybrid

About The Position

Snout has secured a $100M asset-backed lending facility to finance pet wellness receivables. We are looking for a Chief Financial Officer based remotely in the USA or preferably in New York City to design and scale the financial architecture behind this capital engine. Snout is looking for a Chief Financial Officer to join our leadership team and help shape the future of a fast-growing, venture-backed fintech company in the veterinary space. This is not a traditional SaaS finance leadership role. This is a capital-intensive fintech model where unit economics, delinquency performance, and liquidity strategy directly determine growth velocity. You’ll report directly to the CEO and own the financial strategy, capital structure, and operating rigor that power the business. At Snout, finance isn’t just about reporting and forecasting. It’s about helping design the future of our product, inform pricing and risk models, and influence how we scale. What makes this role unique is that you'll perform weekly portfolio reporting to an institutional lender, advance rate increases based on performance triggers, complete borrowing based math tied to receivable eligibility, work on structured credit dynamics in a consumer subscription wrapper and create a path to profitability with optional equity. This is a hands-on leadership role. You will build systems, design models, and elevate financial rigor — not simply manage an existing machine. If you're part spreadsheet nerd, part strategic operator, and excited by the idea of building something new with a team that moves fast and thinks big – we’d love to talk. Snout is committed to building a diverse and inclusive team. We know that great candidates may not check every box — and that’s okay. If you're excited about this role and our mission, we encourage you to apply if you meet at least 75% of qualifications including the first bullet. If you need any accommodations during the application or interview process, please let us know — we’re happy to support you.

Requirements

8–15 years progressive finance experience
Has owned cash forecasting under covenants
Has managed a warehouse/ABL/credit facility
Has built finance from 0→1
In-depth understanding of financial modeling, financial statements, and excel
Strong leadership and organizational skills, with an ability to think strategically
Excellent communication and interpersonal skills, with the ability to manage various stakeholders
Someone who is happy working in a hybrid office position, is able to travel quarterly to our Troy, Michigan office and is located nearby an airport

Nice To Haves

Experience in the following:
Fintech (BNPL, consumer lending, payments, specialty finance)
Structured subscription businesses
Asset-backed credit or receivables financing environments
High-growth Series A–C companies
Having a self-starter or entrepreneurial background
Ownership and accountability, you don’t need a big team to make big things happen
Passion for pets, startups, or both

Responsibilities

Develop the finance function from 0→1 (controller + strategic finance + accounting ops)
Lead the company’s financial planning and strategy, including budgeting, forecasting, and long-term financial modeling:
Capital architecture
Covenant forecasting
Borrowing base modeling
Unit economics ownership
Design the KPI framework across utilization, bad debt, churn, and survivorship
Risk modeling
Liquidity strategy
Partner directly with the CEO on capital structure and long-term IPO readiness
Upgrade systems and reporting to institutional-grade standards
Build a lean and high performing team that leverages the power of AI technology