Job Description: Credit Deal Desk Consultant – Credit Deal Economics Modeling

• Build reusable deal-level P&L and credit economics models covering 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 (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.
  
  

• 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/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.
  
  

• 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 is a plus.
  
  

• Credit Deal Economics Modeling
  
  
• Credit Risk & Lending Economics
  
  
• Deal-Level P&L Modeling
  
  
• Financial Modeling & Advanced Excel
  
  
• Credit Loss & Payment Curves
  
  
• Receivables & Cash Flow Modeling
  
  
• Cost of Funds & Cost of Capital
  
  
• APR, Interchange & Pricing Structures
  
  
• Partner Bounty & Revenue Sharing
  
  
• Capital Markets & Due Diligence
  
  
• Consumer Lending & Credit Card Programs