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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in financial modeling, profitability analysis, and strategic pricing within the Fintech sector. Proficient in managing complex financial projects and collaborating with cross-functional teams to drive profitability and operational efficiency.
Highest-signal resume keywords
Financial ModelingProfitability AnalysisBanking EconomicsAdvanced Excel SkillsStrategic Pricing
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial ModelingProfitability AnalysisForecastingUnit Economics AnalysisDeposit PricingEarnings CreditFinancial ReportingBudgetingSOX ComplianceRegulatory Examination Support
Soft Skills
Analytical SkillsCritical ThinkingPresentation SkillsInterpersonal SkillsProject Management
Tools & Technologies
Microsoft OfficeExcel
Industry Keywords
FintechBanking as a ServicePayments Business ModelsSponsor Bank EconomicsLiquidity ManagementCapital Management
About the role
Key responsibilities & impact- Own the Fintech profitability strategy, including methodology, thresholds, and return requirements for evaluating Fintech relationships
- Develop and maintain financial models and projections for assessing client profitability and making recommendations to executive management
- Prepare pricing recommendations covering fee structures, deposit pricing and earnings credit, interchange and revenue share arrangements, minimum balances, and contract terms
- Lead Finance review and recommendations during initial client evaluation and present recommendations to the Fintech Oversight Committee
- Communicate approved strategy and pricing requirements during new-client discussions and contract renegotiations
- Continuously evaluate existing client portfolio profitability and identify actions to improve returns
- Collaborate with Fintech leaders and the Chief Deposit Officer on strategy, pricing, and financial analysis
- Participate in client meetings and negotiations as appropriate
- Liaise with vendors, auditors, sponsor bank counterparties, and internal stakeholders on Fintech Finance matters
- Ensure complete, accurate, and timely data for unit economics and partner performance analysis
- Participate in the Liquidity and Capital Committee, Finance Committee, ALCO, Management Pricing Committee, and Fintech Oversight Committee
- Provide strategic financial input on balance sheet, liquidity, and capital matters affecting the Fintech division
- Maintain profitability models, reports, monthly noninterest income reports, and new Fintech client reports
- Develop Fintech budgeting assumptions and prepare monthly rolling forecasts covering up to 24 months
- Communicate financial results and assumptions to senior management and company stakeholders
- Review supporting personnel’s work product and provide guidance as appropriate
- Develop and maintain policies and procedures supporting company guidelines, internal controls, and SOX requirements
- Support internal and external audits and regulatory examinations
- Recommend improvements to business functions, processes, and procedures
- Perform special financial planning and analysis projects as required
Requirements
What you’ll need- Undergraduate degree in finance, accounting, economics, business administration, or a related business discipline
- Minimum of 7+ years of relevant experience, including prior experience in banking and Fintech
- Demonstrated ability to construct complex and advanced Excel models; samples of work will be considered
- Working knowledge of banking economics, including deposit pricing, earnings credit, and drivers of net interest margin
- Familiarity with Banking as a Service (BaaS) and payments business models
- Familiarity with sponsor bank economics
- Demonstrated experience in forecasting and analyzing unit economics and partner-level performance data
- Strong analytical, investigative, documentation, and critical thinking skills
- Strong ownership of and accountability for work product
- Ability to lead, manage, and prioritize multiple projects, tasks, or workflows
- Strong presentation and communication skills, with ability to influence business partners and executive management
- Excellent interpersonal skills and ability to establish and maintain effective working relationships across all organizational levels
- Advanced technical computer skills, including proficiency with Microsoft Office products
- Highly organized, driven, and proactive
- Candidates must reside in West Virginia, Virginia, Texas, Florida, Ohio, Pennsylvania, Maryland, Washington D.C., New York, New Jersey, Arkansas, Alabama, Arizona, Delaware, Indiana, North Carolina, Georgia, or South Dakota
Benefits
Comp & perks- Medical, Dental and Vision Insurance
- Health Savings Account (HSA), Health Reimbursement Account (HRA) & Flexible Spending Accounts (FSA)
- Short- and Long-Term Disability Plan
- Group Life Insurance
- 401K Salary Deferral Plan
- Wellness Program
- Education & Tuition Expense Reimbursement
- PTO and Unique Vacation Purchase Program
- Nationwide Pet Insurance Coverage