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 sub‑prime portfolios, and translating data into decisions that made money, this is the role you've been waiting for.

• -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.

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 hasn'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.

• — 7–12+ years of senior finance or credit leadership in auto finance, sub‑prime 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.

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.

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