Chief Financial Officer (CFO) – Finance, Pricing & Credit Analytics

CHIEF FINANCIAL OFFICER

Finance · Pricing · Credit Analytics

Location: Southern California (On-Site)

· Type: Full-Time

· Level: Senior / C-Suite

· Reports To: CEO

Most CFO roles have you reporting on the business. This one has you running it.

Our client is a fast-moving auto finance company in Southern California. They are not looking for a CFO who manages the audit calendar and prepares board decks. They need a finance leader who thinks like an operator — someone who can look at a vintage performance report and tell you exactly why margins are compressing, where the underwriting broke down, and what to do about it before next month's results.

This role sits at the intersection of credit economics, pricing strategy, and operational performance. You will be the person the CEO turns to when the numbers change — to understand why they changed, what will happen next, and how to respond. If you've spent your career building models, analyzing subprime portfolios, and translating data into decisions that made money, this is the role you've been waiting for.

WHAT YOU WILL OWN

-Loan pricing strategy. You own the APR bands, risk tier construction, dealer discount programs, and advance rates. When pricing is right, the portfolio performs. That's on you.

-Portfolio performance analytics. Static pools, vintages, loss curves, lifetime value. You don't just read these reports — you build them and know what story they're telling three months before it shows up in the charge-off line.

-Delinquency and loss monitoring. Roll rates, charge-offs, recoveries. You track these daily and know when a trend is noise versus signal.

-Underwriting drift detection. You will catch when credit quality shifts before it hits the PL — and you will have the data to prove it.

-Profitability forecasting. Based on actual portfolio behavior, not optimistic projections. You model what the book will do based on what it has done.

-Margin leakage analysis. You find where money is being left on the table — in pricing, in origination, in operations — and you fix it.

-Financial infrastructure. Warehouse lines, borrowing base compliance, lender reporting, GAAP oversight, dashboards, decision tools. You upgrade what exists and build what's missing.

-CEO partnership. Clear, data-backed recommendations. No hedging. No jargon. Just the answer and the path forward.

WHY THIS ROLE IS DIFFERENT

This is not a traditional CFO seat. There is no audit committee to manage, no investor relations calendar, no quarterly earnings script. The scorecard here is simple: is the portfolio performing better than it was? Are losses trending in the right direction? Are pricing decisions making money?

You will have a direct mandate from the CEO, access to the data you need to do your job, and the authority to act on what you find. If you've been the smartest person in the room on portfolio performance but the title and scope haven't caught up with your capability, they will here.

The CEO doesn't need a financial reporter. They need a financial partner who can diagnose problems, explain them clearly, and drive solutions.

WHAT YOU BRING

— 7–12+ years of senior finance or credit leadership in auto finance, subprime lending, or consumer finance.

— Hands-on pricing experience — you've built APR tiers, modeled dealer margin impact, and adjusted rate structures based on portfolio feedback.

— Deep portfolio analytics. You can construct and interpret a static pool report without a template, and you know what a bad vintage looks like at month 6.

— Loss forecasting grounded in reality — built from actual historical performance curves, not spreadsheet extrapolation.

— Advanced Excel. This will be tested. You should not be afraid of that.

— The ability to pull your own data — without waiting on an analyst — is a meaningful differentiator in this role.

— On-site availability. This is a hands-on, in-person role. You will work closely and daily with the leadership team.

— You translate complex analytics into decisions. Not presentations. Decisions.

LET'S BE DIRECT: THIS ROLE IS NOT...

We respect your time. If any of the following is what you're looking for, this is not the right fit — and that's okay.

A fundraising or investor relations role

A capital markets or securitization strategy seat

Remote or hybrid

A pure accounting, controller, or audit function

If you need a large finance team, a structured corporate environment, or a role where analysis happens at arm's length from decision-making — this will frustrate you. If you thrive on ownership, speed, and the direct connection between your work and business outcomes, read on.

THE PERSON WE'RE LOOKING FOR

You came up through auto finance, consumer lending, or subprime credit analytics.

You've managed a pricing model in production.

You've explained a delinquency spike to a CEO at 8am on a Monday. You've built a loss forecast that was actually right — and you know why it was right.

You are not afraid of the hands-on work. You like building things.

You are comfortable in a company where the data changes weekly and decisions need to be made without waiting for a committee.

You want ownership — not just visibility.

You may be a Director or VP who has hit a ceiling at a larger lender.

You may be a senior analyst who has been doing CFO-level work without the title.

Either way, the common thread is this: you have spent your career turning loan data into insight and insight into profit.

This role is the logical next chapter.

COMPENSATION BENEFITS

Compensation is competitive and commensurate with experience. This company pays for capability — if you are the right person, the number will reflect that.

— Competitive base salary commensurate with experience

— Performance-based bonus tied to portfolio and company outcomes

— Medical, dental, vision, and life insurance

— 401(k) with employer match

— Paid time off and company holidays

How to Apply

If you've read this far and you recognize yourself in this description, we want to hear from you.

Submit your resume and a brief note — two or three sentences — on your portfolio analytics background.

We read every submission. We will respond.