Sr. Director, Strategic Finance & FP&A

Description

Job Title: Sr. Director, Strategic Finance & FP&A

Location: Jersey City, NJ (Hybrid – In office 3-4 days a week)

Reports to: CFO

The Company:

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

The Role:

Sunbit is seeking a strategic finance leader to help shape the next phase of our growth. This is not a traditional FP&A role. We are looking for a finance executive who combines investment banking training with deep experience in consumer lending or credit card finance and has successfully partnered with executive leadership to drive strategic financial decision-making within a high-growth fintech environment.

Reporting directly to the CFO, you will serve as a trusted advisor to executive leadership, leading enterprise-wide financial planning while influencing capital strategy, financing activities, board reporting, investor communications, and long-range business planning. You'll work closely with Capital Markets, Accounting, Treasury, Product, and Operations to optimize financial performance and support Sunbit's continued expansion.

The ideal candidate has built a foundation in fintech and investment banking before transitioning into strategic finance or FP&A within a consumer lending, credit card, BNPL where they gained firsthand experience managing lending portfolios, funding strategies, and the financial dynamics unique to balance sheet lending businesses.

What You'll Own

Enterprise Financial Strategy

• Partner with the CFO and executive leadership to develop the company's long-term financial strategy.
• Lead annual planning, rolling forecasts, long-range planning, and scenario analysis.
• Deliver strategic recommendations that influence business investments, new products, pricing, and growth initiatives.

Consumer Lending Portfolio Finance

• Provide financial leadership around Sunbit's lending portfolio, including portfolio profitability, unit economics, funding costs, credit performance, reserve impacts, and balance sheet optimization.
• Monitor lending performance and identify opportunities to improve financial returns while managing risk.
• Partner with Risk, Capital Markets, and Product to support profitable portfolio growth.

Financial Planning & Business Performance

• Own budgeting, forecasting, KPI development, variance analysis, and executive reporting.
• Build financial models that translate complex business drivers into actionable insights.
• Drive financial discipline and accountability across the organization.

Strategic Finance & Capital Planning

• Develop sophisticated financial models supporting capital allocation, fundraising, debt financing, securitization activities, and strategic initiatives.
• Partner closely with Capital Markets on debt and equity financing strategies.
• Evaluate acquisitions, partnerships, and investment opportunities through detailed financial analysis.
• Support board-level financial presentations and executive decision-making.

Leadership

• Lead, mentor, and develop a