Credit Deal Desk Consultant
About The Position
The Credit Deal Desk Consultant will develop a reusable credit deal economics model to evaluate profitability and allocate revenue, costs, and returns across the platform, program partner, issuing bank, and balance sheet or capital provider. The role focuses on credit deal economics, financial modeling, and lending program profitability, including deal-level P&L models for credit card, consumer lending, or commercial lending programs. The consultant will work closely with credit risk, finance, and go-to-market pricing teams to develop and validate financial assumptions and deal economics, and deliver a scalable model for future credit programs. The work includes documenting model assumptions, methodologies, and calculations, and handing over the reusable framework with documentation and walkthroughs to internal deal desk and credit risk teams. This is an onsite position in Oakland, California, five days per week.
Requirements
- At least 7 years of experience in credit risk, consumer or commercial lending finance, structured finance, deal desk, or financial pricing roles.
- Hands-on experience building credit deal economics, unit economics, profitability, and deal-level P&L models.
- Strong understanding of credit card and lending program economics, including APR, fees, interchange, partner bounties, and revenue-sharing structures.
- Experience modeling receivables, credit loss curves, revolve rates, payment rates, and cost of funds or capital.
- Advanced Microsoft Excel financial modeling skills, including building structured, reusable, and well-documented financial models.
- Experience preparing financial models and materials for investor or capital-provider due diligence.
- Strong analytical, problem-solving, and communication skills.
- Ability to work directly with senior stakeholders across finance, credit risk, and pricing teams.
Nice To Haves
- Experience with card issuing, embedded finance, Banking-as-a-Service (BaaS), or bank partnership programs.
- Exposure to forward flow arrangements, warehouse facilities, and capital markets funding structures.
- Familiarity with Python, SQL, or BI tools for financial and data analysis.
- Bachelor's degree in Finance, Economics, Accounting, Mathematics, or a related field.
- MBA, CFA, or FRM certification.
Responsibilities
- Build reusable deal-level P&L and credit economics models covering the platform, program partner, issuing bank, and capital provider.
- Develop financial models that flex across different customer segments, credit programs, and product types.
- Model customer acquisition costs, KYB/KYC, underwriting, servicing, and operational expenses.
- Develop receivables models, segment-level credit loss curves, revolve rates, and payment rate assumptions.
- Analyze cost of funds and cost of capital based on segment-level funding and return requirements.
- Develop and evaluate pricing structures, including APR, fees, partner bounties, and revenue-sharing arrangements.
- Prepare segment-level asset cash flow projections and financial materials for capital markets due diligence.
- Partner with credit risk, finance, and GTM pricing teams to validate financial assumptions and model outputs.
- Document model assumptions, methodologies, and calculations to ensure accuracy and transparency.
- Deliver and hand over a reusable financial modeling framework, including documentation and walkthroughs, to internal deal desk and credit risk teams.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
