Director, Financial Products & Strategy

North Mill Equipment Fi• US,

8h•$150,000 - $220,000•Remote

About The Position

BriteCap Financial LLC is seeking a Director, Financial Products & Strategy to own the design, economics, development, performance, and ongoing optimization of its financial products. Reporting to the Chief Financial Officer, this remote role serves as the primary business owner for the financial-product portfolio, including BriteCap Signature™, BriteCap Rise™, and BriteCap Rx™, as well as new products and capabilities such as BriteLine 2.0 and future franchise-finance offerings. The position works across Finance, Credit, Sales, Marketing, Revenue Operations, Credit Operations, Product, and Technology to determine what products to offer, to whom, on what terms, and with what economics. The role combines financial sophistication, analytical rigor, commercial curiosity, and cross-functional leadership. It leads product strategy and development, product-level economics, pricing, forecasting, scenario analysis, competitive intelligence, and customer and portfolio analytics. The Director will also lead implementation and ongoing development of Pigment as the company’s FP&A, forecasting, and scenario-planning platform, improving planning and management decision-making capabilities. The successful candidate is intellectually curious, highly analytical, commercially minded, and comfortable working across organizational boundaries. They can move between financial modeling, market research, credit economics, customer needs, technology requirements, and operational execution. They will think like a business owner, structure problems from incomplete information, challenge assumptions, bring functions together, and drive complex initiatives from concept through execution.

Requirements

Bachelor’s degree in Accounting, Finance, Economics, or a related field.
At least 10 years of experience in finance, including at least 5 years in a leadership role.
Proven experience in financial management, strategic planning, and risk management.
Deep knowledge of financial reporting, accounting standards, and regulatory compliance.
Strong leadership, interpersonal, and communication skills.
Expertise in financial modeling, forecasting, and data analysis.
Experience with ERP systems and advanced Excel skills.
Demonstrated ability to manage relationships with investors, bankers, and other external partners.
Experience in the fintech industry and familiarity with capital market transactions, including debt warehouse facilities and securitizations.

Nice To Haves

MBA, CPA, or CFA.
Experience in financial services, banking, lending, fintech, or specialty finance.
Experience in financial-product development and management.
Experience in pricing, profitability, and unit-economics analysis.
Experience in FP&A, strategic finance, or corporate strategy.
Experience with credit and lending economics.
Experience in financial modeling, forecasting, and scenario planning.
Experience in product, program, or project management.
Experience in technology-enabled business transformation.

Responsibilities

Own the strategy, design, and ongoing development of BriteCap’s financial products.
Define target customers, product structure, loan amounts, tenors, pricing, fees, broker economics, competitive positioning, and value proposition.
Lead development of new financial products from concept through launch and ongoing optimization.
Develop product proposals covering economics, proposed credit parameters, operational and technology requirements, and go-to-market considerations.
Serve as primary business owner for strategic product partnerships, including ongoing development and optimization of BriteCap Rise™.
Develop and maintain product-level economic models that incorporate pricing, expected losses, cost of capital, operational costs, broker compensation, conversion, renewals, and customer lifetime value.
Evaluate tradeoffs among pricing, loan amounts, tenor, credit quality, incentives, and other product variables to optimize risk-adjusted returns.
Partner with Finance and Credit to establish product-level return targets and measure actual performance against expectations.
Develop product-level forecasting and scenario-analysis capabilities connecting product strategy, customer behavior, credit performance, and unit economics to BriteCap’s financial plan.
Lead implementation and ongoing development of Pigment as BriteCap’s FP&A, forecasting, and scenario-planning platform.
Build analytical infrastructure to evaluate product performance, model strategic alternatives, and support data-driven decisions.
Build a structured competitive-intelligence capability using input from brokers, customers, Sales, Marketing, industry research, and company performance data.
Monitor competitor pricing, terms, credit appetite, product features, broker economics, customer experience, and BriteCap win/loss drivers.
Translate market intelligence and customer feedback into product, pricing, and strategy changes.
Evaluate product-market fit and identify opportunities for new products or underserved customer segments.
Develop a deeper understanding of customer behavior, including renewals, repeat usage, retention, and lifetime value.
Incorporate customer lifetime economics into product, pricing, credit, and acquisition decisions.
Establish product-level measurements for growth, conversion, credit performance, profitability, and risk-adjusted returns.
Partner with Credit to develop proposed credit parameters and evaluate potential policy changes, while recognizing Credit’s independent authority for credit policy and risk governance.
Define business and financial-product requirements with Product & Technology and partner with Platform and UX Product Management to translate them into technology capabilities and customer experiences.
Work with Revenue Operations to ensure sales processes, systems, analytics, workflows, and enablement support product strategy.
Work with Credit Operations to ensure products can be efficiently and consistently underwritten and administered.
Partner with Sales & Marketing to gather market intelligence, understand customer and broker needs, develop go-to-market strategies, and drive product adoption.
Partner with Finance & Analytics on product economics, forecasts, performance measurement, and decision-support capabilities.
Drive product performance and decision-making capabilities, including growth, profitability, risk-adjusted returns and IRR, pricing effectiveness, approval and conversion, customer acquisition economics and lifetime value, credit performance, competitive positioning, product-market fit, forecast quality, new product launches, Pigment adoption, and the quality of product and competitive intelligence.
Manage relationships with investors, bankers, and other external partners.