General Counsel

Overview

A growing fintech company is seeking a Chief Financial Officer (CFO) to lead its next phase of expansion. The CFO will be a strategic financial leader responsible for scaling the business from approximately $400 million in revenue and $120 million in net income to over $5 billion in revenue and $1 billion in net income. This role requires expertise in capital markets, public company leadership, and entrepreneurial execution.

The organization currently generates $271 million in revenue (projected for 2024, up 70% year-over-year), is profitable, and has a market capitalization of approximately $2.3 billion. The CFO will play a critical role in building on this foundation to drive long-term growth and shareholder value.

Responsibilities

Strategic Financial Leadership

• Develop and execute long-range financial models to support growth from $270 million to over $1 billion in revenue.
• Optimize capital allocation across organic growth, mergers and acquisitions, and shareholder returns.
• Establish financial guardrails balancing aggressive growth with profitability discipline.
• Build and communicate the company’s financial narrative to investors, articulating sustainable competitive advantages.

Capital Markets and Investor Relations

• Lead all investor-facing activities including quarterly earnings calls, investor conferences, and institutional meetings.
• Craft compelling equity narratives that highlight the company’s differentiated value proposition.
• Manage sell-side analyst relationships and consensus expectations.
• Evaluate and execute capital raising strategies across debt and equity markets.
• Oversee a $50 million share repurchase program with disciplined intrinsic value criteria.

Risk Management and Regulatory Compliance

• Oversee credit risk frameworks and loss provisioning models, leveraging AI and machine learning for creditworthiness assessment and default prediction.
• Evaluate AI/ML investments in underwriting and fraud detection.
• Ensure compliance with state and potential federal BNPL regulations.
• Manage enterprise risks including cybersecurity, operational, and reputational risks.
• Maintain relationships with banking partners.

Operational Excellence and Infrastructure

• Build and lead a high-performance finance organization.
• Implement systems and processes to support public company requirements such as SOX compliance and SEC reporting.
• Drive AI, automation, and efficiency improvements across financial operations.
• Ensure accurate and timely financial reporting with robust internal controls.

Board Governance and Stakeholder Management

• Prepare strategic board materials and ensure transparent communication.
• Serve as a trusted partner to the Board of Directors and Audit Committee.
• Build relationships with institutional investors and research analysts.

Requirements

Professional Experience

• 15+ years of progressive finance leadership experience.
• Experience in investment banking at a bulge bracket or leading middle-market firm.
• Operational CFO or senior finance leadership experience at a high-growth fintech or financial services company.
• Proven success scaling revenue from $250 million to $1 billion or more.
• Minimum 5 years as CFO or senior finance executive at a publicly traded company with full ownership of SEC reporting, investor relations, and SOX compliance.
• Led or co-led capital raises exceeding $500 million across debt and equity; IPO experience preferred.
• Experience with M&A transactions including deal structuring, due diligence, and integration.
• Deep understanding of lending economics, payment processing, credit risk management, and financial services regulatory environment.
• Executive-level knowledge of AI/ML applications in credit decisioning, fraud detection, predictive analytics, and financial forecasting.
• Track record of building finance teams from 15 to 50+ professionals and implementing scalable systems.

Education

• MBA from a top-tier program preferred.
• CPA, CMA, or CFA certification valued.
• Undergraduate degree in Finance, Accounting, Economics, or related field.
• Outstanding academic record (top 5% GPA, preferably top 2%).

Competencies

Critical Competencies:

• Strategic financial acumen with ability to develop complex financial models and translate strategy into plans.
• Capital markets fluency including investor psychology and timing of capital transactions.
• Sophisticated risk management balancing growth and prudence.
• Executive-level understanding of AI/ML technology and its impact on unit economics and competitive positioning.
• Operational discipline in building finance organizations, internal controls, and regulatory compliance.

Leadership Competencies:

• Ability to serve as a strategic thought partner to the CEO.
• Skilled in board engagement and governance.
• Proven team leadership and talent development.
• Strong external communication skills for investor, analyst, and partner relations.
• Unquestionable integrity and ethical conduct.

Success Metrics

First 90 Days:

• Complete comprehensive assessment of financial operations, systems, and team.
• Build trusted relationships with CEO, board, and executive team.
• Establish baseline understanding of unit economics and value drivers.
• Identify quick wins and develop improvement roadmap.

First 12 Months:

• Deliver financial forecasts within 5% variance.
• Execute capital allocation strategy supporting growth and shareholder returns.
• Strengthen investor relationships and improve analyst coverage.
• Complete critical systems or process improvements.
• Build or upgrade finance team capabilities.

Multi-Year Objectives:

• Support revenue growth toward $1 billion milestone.
• Achieve and maintain Rule of 40 performance (revenue growth % + EBITDA margin % ≥ 40%).
• Drive stock price appreciation through operational excellence and investor communication.
• Position the company as a best-in-class public company in finance and governance.

Compensation & Benefits

Details on compensation and benefits are not provided in the job description.

Location

This is a virtual/remote position.