Chief Financial Officer

Capital Strategy & Debt Facility Management

• Own all relationships with debt capital providers — warehouse lenders, forward flow partners, and other structured finance counterparties
• Manage covenant compliance, borrowing base reporting, and facility utilization across existing lending facilities
• Lead negotiations for new or expanded credit facilities as the portfolio grows
• Develop and maintain the capital plan, ensuring the business has adequate liquidity to fund origination volume at target economics

Exit Readiness & Strategic Finance

• Serve as the company's primary financial lead on any M&A, recapitalization, or exit process
• Maintain financial reporting, data room materials, and management presentations in a state of ongoing readiness
• Build and maintain the financial model used for board reporting, investor updates, and transaction diligence
• Partner with the CEO and board to evaluate strategic alternatives and assess transaction structure

FP&A

• Own the annual budget and quarterly forecast process, with clear accountability from business unit owners
• Partner closely with the commercial team on revenue forecasting, pipeline modeling, and GTM investment decisions
• Work alongside the SVP of Product to build rigorous ROI frameworks for new product line development and technology investments — ensuring capital is allocated to the highest-value opportunities
• Partner with the CEO to maintain the company's OKR framework, ensuring KPIs have clear definitions, measurable targets, and accountability from business unit owners

Financial Reporting & Compliance

• Own the integrity of monthly, quarterly, and annual financial statements across GAAP reporting, lender compliance, and management reporting
• Build and improve financial controls, accounting policies, and operational finance processes
• Manage relationships with external auditors and tax advisors
• Oversee tax, audit, and regulatory financial reporting

Investor & Board Relations

• Serve as primary financial point of contact for existing equity investors and board members
• Own board meeting materials, investor updates, and financial narrative
• Build relationships with prospective strategic and financial acquirers as part of ongoing exit readiness
• Manage the annual audit process and relationships with external auditors

Team Leadership

• Directly manage a team of 5 spanning FP&A, accounting, and finance operations
• Set clear expectations, develop team members' skills, and build a high-trust, high-output culture
• Identify gaps and make strategic hires as the company scales
• Be a resource to the team on complex accounting, modeling, and process questions