Senior Manager, Finance - Business Lending/Working Capital

Walmart•Bentonville, AR

1d•$90,000 - $234,000•Onsite

About The Position

We are seeking a highly strategic and execution-oriented Senior Manager, Business Lending, to lead the development, launch, and scaling of innovative lending solutions for business customers and marketplace sellers. This leader will play a critical role in shaping our lending strategy, driving partner collaboration, and delivering seamless financing experiences that help businesses grow. This is a highly cross-functional role requiring strong expertise in embedded finance, SMB lending, credit operations, partnerships, risk management, and product commercialization. The ideal candidate combines strategic thinking with operational rigor and thrives in fast-paced, ambiguous, 0-to-1 environments.

Requirements

8+ years of working experience in the US in business lending, fintech, embedded finance, commercial banking, or related financial services
Strong knowledge of SMB lending products, underwriting workflows, lending operations, and risk management
Experience launching or scaling lending or embedded finance products in a fintech, marketplace, or banking environment
Proven ability to lead complex cross-functional initiatives from concept to commercialization
Strong commercial acumen with experience managing strategic partnerships and vendor negotiations
Excellent analytical, communication, and executive stakeholder management skills
Ability to operate effectively in ambiguous, fast-moving, and highly collaborative environments
Bachelor’s degree in Finance, Accounting, or related field and 4 years’ experience in accounting, finance, or related area OR 6 years’ experience in accounting, finance, or related area.
1 year’s experience leading and completing cross-functional projects.
1 year’s supervisory experience.

Nice To Haves

Experience with marketplace platforms, seller ecosystems, or embedded financial services
Familiarity with regulatory frameworks related to lending, KYC/KYB, and financial compliance
Experience working with bank partners, sponsor banks, or lending-as-a-service platforms
Experience in product marketing of Financial Services is a plus
MBA or advanced degree in Business, Finance, Economics, or related field preferred
Analyzing data and interpreting results, Microsoft Office, Working in a large, complex, matrixed organization
Masters: Business Administration

Responsibilities

Define and execute the business lending strategy aligned with company growth objectives
Lead the development and scaling of lending products including working capital, merchant cash advance, invoice financing, and seller financing solutions
Identify customer pain points and translate them into innovative lending capabilities and experiences
Partner closely with Product, Engineering, Risk, Compliance, Treasury, and Operations teams to deliver scalable lending solutions
Develop and manage relationships with banking partners, capital providers, fintech platforms, and lending infrastructure vendors
Evaluate and negotiate commercial partnerships to support lending expansion and program economics
Collaborate with external financial institutions and ecosystem partners to deliver embedded lending capabilities
Own end-to-end program execution including roadmap planning, operational readiness, launch management, and post-launch optimization
Establish scalable operating models, policies, workflows, and servicing frameworks
Drive operational excellence across origination, underwriting, servicing, collections, and customer support processes
Partner with Risk and Compliance teams to ensure responsible lending practices and regulatory adherence
Monitor portfolio performance, unit economics, loss trends, and business KPIs
Develop frameworks to optimize approval rates, customer experience, portfolio quality, and profitability
Leverage data-driven insights to improve customer acquisition, activation, retention, and lending utilization
Partner with GTM, Adoption, and Marketing team to drive program growth
Build business cases, financial models, and executive reporting for leadership reviews
Identify opportunities to increase lending adoption and customer lifetime value

Benefits

competitive pay
performance-based bonus awards
medical coverage
vision coverage
dental coverage
401(k)
stock purchase
company-paid life insurance
PTO (including sick leave)
parental leave
family care leave
bereavement
jury duty
voting
short-term and long-term disability
company discounts
Military Leave Pay
adoption and surrogacy expense reimbursement
PTO and/or PPTO that can be used for vacation, sick leave, holidays, or other purposes
Walmart-paid education benefit program for full-time and part-time associates in Walmart and Sam's Club facilities. Programs range from high school completion to bachelor's degrees, including English Language Learning and short-form certificates. Tuition, books, and fees are completely paid for by Walmart.