Head of GTM Finance

Coastal•Madison, MS

About The Position

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation. At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you. The Head of GTM Finance builds and owns the financial models that guide CCBX’s deal pricing, ensuring every partnership is negotiated with full visibility into contribution, expense drivers, and P&L impact. You will partner closely with the CCO and CFO organizations to evaluate new and existing programs, translate product and operational assumptions into unit economics, and present board‑level analyses that balance growth, risk, and returns.

Requirements

5+ years in FP&A, commercial finance, or strategic finance; experience in banking/fintech/payments or other highly regulated industries strongly preferred.
Expert Excel modeling (driver‑based models, scenario/sensitivity; proficiency with SQL for data pulls/validation preferred.
Working knowledge of BaaS economics (interchange/network fees, deposit spreads/FTP, KYC/AML/fraud cost drivers) and allocation of shared services to deal-level P&Ls.
Familiarity with capital markets concepts (cost of capital, warehouse funding/securitization, loan sales) and their influence on pricing and returns.
Comfort with board‑level storytelling: executive summaries, crisp exhibits, and clear recommendations supported by analytical rigor.
High integrity, strong ownership, excellent attention to detail, and the ability to manage multiple deals in parallel in a fast-moving environment.
Bachelor’s degree in Finance, Economics, Accounting, or related field
Advanced competency with Microsoft Excel and PowerPoint; experience building board‑ready materials required.

Nice To Haves

MBA/CFA/CPA a plus.

Responsibilities

Own deal pricing models for CCBX partnerships across credit cards / loans, deposits, payments/card issuing, ACH/wires, KYC/AML/fraud, and related services; deliver unit economics (per‑transaction/account) and program-level P&Ls.
Quantify revenue streams (e.g., program fees, interchange, float/interest spread, platform fees, implementation fees) and fully loaded costs (processing/network fees, KYC/AML, fraud losses/chargebacks, dispute ops, vendor/TPRM costs, support, cloud/tech, compliance/audit).
Incorporate funds transfer pricing (FTP), earnings credit, cost of funds, capital/CECL impacts, and shared cost allocations to produce contribution margin and pre‑tax profitability.
Build sensitivity and scenario models (volume ramps, mix shifts, pricing tiers/minimums, adverse loss scenarios) and define break‑even, NPV/IRR, and payback for executive decisioning.
Create term sheets and pricing exhibits; support commercial negotiations with data‑driven guardrails, floors, and concessions; partner with Legal on economics language.
Maintain a centralized repository of pricing decisions, model versions, and signed commercial terms; support audit and exam requests with complete financial files.
Continuously benchmark market pricing and network/processor fees; monitor regulatory or macro changes impacting BaaS economics and update guardrails accordingly.
Contribute to board and exec‑level materials: crisp memos, one‑page summaries, and appendix analysis that withstands scrutiny.

Benefits

Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
Holidays: Enjoy 11 paid holidays throughout the year.