Bread transforms pricing in e-commerce: The $1,000 couch you’re looking at might become $50/month. Bread partners with merchants to offer end consumers the ability to pay over time with clear, transparent terms and fair rates. Our B2B2C model aligns our goals with our merchants’ goals, and we are a leader in organizational customer centricity and service. Add a powerful, flexible merchant API that can seamlessly integrate financing anywhere in the e-commerce experience, and you’ve got Bread.

The VP of Finance will report to the CEO and join as a member of Bread's management to own our efforts around financial planning, reporting, pricing, funding and analysis. You will manage a growing cross-functional team of professionals in analytics, accounting, financial planning, and capital markets. You will work closely with Product, Marketing, Sales, Risk, department leaders, and the company's management team to understand and shape Bread's financial future. Your goal will be to increase the fidelity and precision of our view towards profitability and scale and ensure that the company executes on that plan and manages the cash needed to do so. In the process, you will build a world-class finance function that accounts for and manages risk.

Things you’ll do:

• Oversee and help build and maintain Bread's detailed financial model, accounting for all inputs into revenue, expenses, and cash usage, to improve Bread's forecasting accuracy
• Communicate Bread's financial vision to all stakeholders, including its board of directors as well as current and future debt and equity investors
• Create and execute a strategy for Bread's funding and capital structure, including overseeing a capital markets function that will source various forms of debt capital to finance Bread's lending business
• Create guidelines for Bread's product pricing in line with our financial vision, and gain insight into profitability on a per-client level
• Manage a generalist Analytics function that serves as a source of data insight to stakeholders throughout the company
• Implement and oversee a regular and disciplined company-wide budgeting process
• Refine Bread's processes around accounting and control, to reduce operational risk and to provide fast and accurate views into Bread's financial position and clean audit opinions
• Generally, be the go-to person for all things finance at Bread

You have:

• A background leading a corporate finance function
• Background in the finances of financial services and lending companies (strongly preferred)
• An enormous appetite for detail and precision, and a willingness to roll up your sleeves and do the dirty work
• Strong modeling and quantitative communications skills
• A track record of creating and executing on a sustainable financial strategy
• Experience with capital markets and managing complex capital structures
• A self-starting attitude: You work independently and effectively, with little oversight or management
• Exceptional project management abilities - you are known for getting things done
• A history as a strong manager and leader of people (strongly preferred)