Credit Deal Desk Consultant

iShare•Ontario, CA

5d•Onsite

About The Position

iShare is seeking an experienced Credit Deal Desk Consultant to develop a reusable credit deal economics model for evaluating profitability and allocating revenue, costs, and returns among a platform, program partner, issuing bank, and balance sheet or capital provider. The work focuses on credit deal economics, financial modeling, and lending program profitability, with hands-on modeling for credit card, consumer lending, or commercial lending programs. The consultant will collaborate with credit risk, finance, and GTM pricing teams to develop financial assumptions, validate deal economics, and deliver a scalable model for future credit programs. The position is onsite in Oakland, California, five days a week. It calls for at least seven years of relevant experience and offers compensation of $35.00–$40.00 per hour. The engagement includes delivering and handing over a reusable financial modeling framework, with documentation and walkthroughs, to internal deal desk and credit risk teams. iShare is a New Jersey-based boutique IT consulting firm offering strategic advisory, development, and staffing services for specific industry verticals. The company emphasizes understanding clients’ distinct needs and providing consulting and technology solutions intended to deliver lasting value.

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 can flex across customer segments, credit programs, and product types.
Model customer acquisition costs (CAC), 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.