Job 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 high-performing FP&A team.
• Foster a culture of collaboration, continuous improvement, and operational excellence.
• Improve financial processes, systems, and reporting capabilities as the company scales.

Requirements

What You'll Bring:

• 10+ years of progressive finance experience within fintech or financial services.
• Significant experience supporting a consumer lending, credit card, BNPL, or balance sheet lending business.
• Prior experience in Investment Banking with strong financial modeling, valuation, and transaction experience.
• Deep expertise in enterprise FP&A, forecasting, budgeting, and long-range planning.
• Experience partnering with executive leadership on strategic finance initiatives.
• Experience supporting debt financing, capital markets activities, warehouse facilities, securitizations, or other funding strategies.
• Proven ability to communicate complex financial concepts to executive leadership and Boards of Directors.

Preferred Backgrounds

Candidates may have experience from organizations such as:

• Consumer lending fintechs
• Buy Now, Pay Later companies
• Credit card issuers
• Consumer finance companies
• Digital banks
• Large financial institutions with consumer lending businesses

You'll Stand Out If You Have

• Experience supporting a rapidly scaling fintech company.
• MBA and/or CPA.
• Experience with NetSuite and modern FP&A systems.
• Exposure to investor relations, Board reporting, and fundraising.
• Expertise in financial modeling, capital allocation, and lending portfolio analytics.

Why Choose Sunbit?

Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.

People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.

How We Pay:

• We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership
• We are targeting a base salary of $250,000 - $300,000 per year for this role based on experience
• This role will also be granted company equity via stock options

The Perks

• Mission driven, empowered, and collaborative culture
• Competitive pay and stock options
• Unlimited PTO
• Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
• Newly added HSA and Pet Insurance
• 401(k) with company match
• Cell Phone Stipend
• Team-based strategic planning and ownership of deliverables

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.



Recruitment Fraud Disclaimer

We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @ sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at hr@sunbit.com to confirm.

We ask that you contact hr@sunbit.com only about potential instances of fraud. hr@sunbit.com does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to hr@sunbit.com directly, and your email about your application will be deleted from our systems.