Find & Apply For Credit Analyst / Authorizer Jobs in Oakland, California

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.