Finance Operations Lead, Cardless

• The ideal candidate thrives in a high-volume, transaction-driven environment, is comfortable working with modern data and banking platforms, and has a strong focus on automation, controls and process scalability
• Bachelor's degree in Finance, Accounting, or related field
• 3+ years of experience in investment banking, fin-tech, fin-operations, or accounting
• Experience managing high-volume transaction workflows in a fast-paced environment
• Strong understanding of reconciliations, reporting, and operational controls
• Proficiency in Excel and experience working with data tools (e.g., Snowflake, SQL)
• Ability to manage tight deadlines with a high degree of accuracy and ownership
• Strong communication skills, including experience interacting with external stakeholders (e.g., lenders, partners)

Desirable

• We are seeking a highly detail-oriented and disciplined Finance Ops lead to own fund flow operations, lender and partner reporting, and borrowing base process across Cardless and our brand partners
• This is a high-impact individual contributor role responsible for ensuring the accuracy, integrity, and timeliness of funding flows and reporting
• The role sits at the intersection of Finance, Capital Markets, Data, and Operations, and is essential to maintaining compliance with credit facility requirements and supporting the company’s liquidity management
• Prepare and submit periodic borrowing base certificate and funding requests using external Capital market platform (e.g. Setpoint)
• Ensure ongoing compliance with lender requirements,covenants and eligibility criteria
• Own monthly lender reporting packages and support audits and diligence requests
• Act as the primary point of contact for lender-related operational inquiries
• Monitor daily changes in the data tape and highlight key performance metric changes
• Manage monthly reporting deliverables for brand partners
• Own daily fund flow operations across Cardless and brand partner programs
• Perform and oversee daily reconciliations, identifying and resolving discrepancies
• Serve as the primary finance contact for partner reporting and funding-related inquiries
• Identify and drive automation opportunities across reporting, reconciliations, and funding workflows
• Partner with Data and Engineering to build scalable reporting infrastructure and resolve data gaps
• Enhance internal controls and operational processes to reduce risk and improve efficiency