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. 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.