Job Title: Credit Deal Desk Consultant – Credit Deal Economics Modeling
Location: Oakland, CA — Onsite, 5 days per week
Employment Type: Contract
Duration: 6 months
Experience: 7+ years
About the Role
We are seeking an experienced Credit Deal Desk Consultant for a leading U.S. fintech and payments platform. The consultant will design and deliver a reusable financial model to evaluate the economics and profitability of credit card and lending programs.
The model will generate segment-level and deal-level P&Ls, allocating revenue, costs and returns across four parties: the platform, program partner, issuing bank and balance sheet/capital provider.
This role will work closely with credit risk, finance and go-to-market pricing teams to validate assumptions and deliver a documented framework that internal teams can independently use for future deals.
Key Responsibilities
- Build an advanced Excel credit deal economics model that adapts to different customer segments, programs and product types.
- Develop deal-level P&Ls allocating economics across the platform, program partner, issuing bank and capital provider.
- Model and document key assumptions, including:
- Customer acquisition cost per booked account.
- KYB/KYC and underwriting costs.
- Receivables balances and cash flows.
- Segment-level loss curves, revolve rates and payment rates.
- Cost of funds, capital costs and required capital-provider returns.
- Ongoing servicing and operational costs.
- APR, fees, interchange, partner bounties and revenue-sharing arrangements.
- Prepare segment-level asset cash flows and P&Ls suitable for capital markets and investor due diligence.
- Collaborate with credit risk, finance and pricing stakeholders to validate assumptions, scenarios and model outputs.
- Deliver model documentation, walkthroughs and knowledge transfer so internal teams can evaluate future deals independently.
Required Qualifications
- 7+ years of experience in credit risk, lending finance, structured finance, deal desk or pricing roles within a bank, card issuer, fintech or advisory firm.
- Hands-on experience building credit deal economics, unit economics or profitability models.
- Strong understanding of credit card or lending program economics, including APR, fees, interchange, partner bounties and revenue-sharing structures.
- Experience modeling receivables, loss curves, revolve rates, payment rates and cost of funds/capital.
- Advanced Excel financial modeling skills, with a focus on accurate, well-documented and reusable models.
- Experience preparing financial models and supporting materials for investors or capital-provider due diligence.
- Strong communication skills and the ability to work directly with senior finance, risk and pricing stakeholders.
- Availability to work onsite in Oakland, CA, five days per week.
Preferred Qualifications
- Experience with card issuing, embedded finance, Banking-as-a-Service (BaaS) or bank-partnership programs.
- Exposure to forward-flow arrangements, warehouse facilities or other capital markets funding structures.
- Familiarity with Python, SQL or BI tools for data analysis and assumption development.
- Bachelor’s degree in Finance, Economics, Accounting, Mathematics or a related field.
- MBA, CFA or FRM credentials are a plus.
Required Submission Details
Please provide an updated resume, current location, work authorization, availability to start, confirmation of onsite availability and expected hourly rate.
