Senior Manager, Finance - Business Lending/Working Capital

Position Summary...

We are seeking a highly strategic and execution-oriented Senior Manager, Business Lending, to lead the development, launch, and scaling of innovative lending solutions for business customers and marketplace sellers. This leader will play a critical role in shaping our lending strategy, driving partner collaboration, and delivering seamless financing experiences that help businesses grow.

This is a highly cross-functional role requiring strong expertise in embedded finance, SMB lending, credit operations, partnerships, risk management, and product commercialization. The ideal candidate combines strategic thinking with operational rigor and thrives in fast-paced, ambiguous, 0-to-1 environments.

What you'll do...

Lending Strategy & Product Development

• Define and execute the business lending strategy aligned with company growth objectives
• Lead the development and scaling of lending products including working capital, merchant cash advance, invoice financing, and seller financing solutions
• Identify customer pain points and translate them into innovative lending capabilities and experiences
• Partner closely with Product, Engineering, Risk, Compliance, Treasury, and Operations teams to deliver scalable lending solutions

Partnership Management

• Develop and manage relationships with banking partners, capital providers, fintech platforms, and lending infrastructure vendors
• Evaluate and negotiate commercial partnerships to support lending expansion and program economics
• Collaborate with external financial institutions and ecosystem partners to deliver embedded lending capabilities

Program Management & Execution

• Own end-to-end program execution including roadmap planning, operational readiness, launch management, and post-launch optimization
• Establish scalable operating models, policies, workflows, and servicing frameworks
• Drive operational excellence across origination, underwriting, servicing, collections, and customer support processes

Risk, Compliance & Portfolio Performance

• Partner with Risk and Compliance teams to ensure responsible lending practices and regulatory adherence
• Monitor portfolio performance, unit economics, loss trends, and business KPIs
• Develop frameworks to optimize approval rates, customer experience, portfolio quality, and profitability

Analytics & Growth

• Leverage data-driven insights to improve customer acquisition, activation, retention, and lending utilization
• Partner with GTM, Adoption, and Marketing team to drive program growth
• Build business cases, financial models, and executive reporting for leadership reviews
• Identify opportunities to increase lending adoption and customer lifetime value

Qualifications

• 8+ years of working experience in the US in business lending, fintech, embedded finance, commercial banking, or related financial services
• Strong knowledge of SMB lending products, underwriting workflows, lending operations, and risk management
• Experience launching or scaling lending or embedded finance products in a fintech, marketplace, or banking environment
• Proven ability to lead complex cross-functional initiatives from concept to commercialization
• Strong commercial acumen with experience managing strategic partnerships and vendor negotiations
• Excellent analytical, communication, and executive stakeholder management skills
• Ability to operate effectively in ambiguous, fast-moving, and highly collaborative environments

Preferred Qualifications

• Experience with marketplace platforms, seller ecosystems, or embedded financial services
• Familiarity with regulatory frameworks related to lending, KYC/KYB, and financial compliance
• Experience working with bank partners, sponsor banks, or lending-as-a-service platforms
• Experience in product marketing of Financial Services is a plus
• MBA or advanced degree in Business, Finance, Economics, or related field preferred

Leadership Traits

• Customer obsessed and highly execution-focused
• Strategic thinker with strong operational discipline
• Entrepreneurial mindset with "builder" mentality
• Strong collaborator capable of influencing across organizations
• Data-driven decision maker with bias for action
• The above information has been designed to indicate the general nature and level of work performed in the role. It is not designed to contain or be interpreted as a comprehensive inventory of all responsibilities and qualifications required of employees assigned to this job. The full Job Description can be made available as part of the hiring process.

Your Career Journey at Walmart: At Walmart, we want to make sure your experience connecting with us is seamless and straightforward. Here's what to expect when interacting with us as recruiters: We'll reach out via verified LinkedIn profiles or emails ending in "@walmart.com." or "@samsclub.com". All job opportunities and applications are hosted on our official careers site: http://careers.walmart.com. There is no cost or payment required to apply or be considered for a position. If you have any doubts about a communication, feel free to visit our careers page to verify authenticity. Thank you for exploring opportunities at Walmart! At Walmart, we offer competitive pay as well as performance-based bonus awards and other great benefits for a happier mind, body, and wallet. Health benefits include medical, vision and dental coverage. Financial benefits include 401(k), stock purchase and company-paid life insurance. Paid time off benefits include PTO (including sick leave), parental leave, family care leave, bereavement, jury duty, and voting. Other benefits include short-term and long-term disability, company discounts, Military Leave Pay, adoption and surrogacy expense reimbursement, and more. You will also receive PTO and/or PPTO that can be used for vacation, sick leave, holidays, or other purposes. The amount you receive depends on your job classification and length of employment. It will meet or exceed the requirements of paid sick leave laws, where applicable. For information about PTO, see https://one.walmart.com/notices. Live Better U is a Walmart-paid education benefit program for full-time and part-time associates in Walmart and Sam''s Club facilities. Programs range from high school completion to bachelor''s degrees, including English Language Learning and short-form certificates. Tuition, books, and fees are completely paid for by Walmart.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to a specific plan or program terms.

For information about benefits and eligibility, see One.Walmart.

Bellevue, Washington US-11663 | Hoboken, New Jersey US-10279: The annual salary range for this position is $108,000.00 - $216,000.00

San Bruno, California US-08848 | Sunnyvale, California US-08479: The annual salary range for this position is $117,000.00 - $234,000.00

Bentonville, Arkansas US-30003: The annual salary range for this position is $90,000.00 - $180,000.00 Additional compensation includes annual or quarterly performance bonuses. Additional compensation for certain positions may also include :

• Stock

Minimum Qualifications...

Outlined below are the required minimum qualifications for this position. If none are listed, there are no minimum qualifications.

Bachelor's degree in Finance, Accounting, or related field and 4 years' experience in accounting, finance, or related area OR 6 years' experience in accounting, finance, or related area.

1 year's experience leading and completing cross-functional projects.

1 year's supervisory experience.

Preferred Qualifications...

Outlined below are the optional preferred qualifications for this position. If none are listed, there are no preferred qualifications.

Analyzing data and interpreting results, Microsoft Office, Working in a large, complex, matrixed organization

Masters: Business Administration

Primary Location...

10900 Ne 4th St, Bellevue, WA 98004, United States of America

Walmart and its subsidiaries are committed to maintaining a drug-free workplace and has a no tolerance policy regarding the use of illegal drugs and alcohol on the job. This policy applies to all employees and aims to create a safe and productive work environment. We are seeking a highly strategic and execution-oriented Senior Manager, Business Lending, to lead the development, launch, and scaling of innovative lending solutions for business customers and marketplace sellers. This leader will play a critical role in shaping our lending strategy, driving partner collaboration, and delivering seamless financing experiences that help businesses grow. This is a highly cross-functional role requiring strong expertise in embedded finance, SMB lending, credit operations, partnerships, risk management, and product commercialization. The ideal candidate combines strategic thinking with operational rigor and thrives in fast-paced, ambiguous, 0-to-1 environments.