Coastal Community Bank - Head of GTM Finance
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Requirements
• 5+ years in FP&A, commercial finance, or strategic finance; experience in banking/fintech/payments or other highly regulated industries strongly preferred. • Expert Excel modeling (driver‑based models, scenario/sensitivity; proficiency with SQL for data pulls/validation preferred. • Working knowledge of BaaS economics (interchange/network fees, deposit spreads/FTP, KYC/AML/fraud cost drivers) and allocation of shared services to deal‑level P&Ls. • Familiarity with capital markets concepts (cost of capital, warehouse funding/securitization, loan sales) and their influence on pricing and returns. • Comfort with board‑level storytelling: executive summaries, crisp exhibits, and clear recommendations supported by analytical rigor. • High integrity, strong ownership, excellent attention to detail, and the ability to manage multiple deals in parallel in a fast‑moving environment. • Bachelor’s degree in Finance, Economics, Accounting, or related field; MBA/CFA/CPA a plus. • Advanced competency with Microsoft Excel and PowerPoint; experience building board‑ready materials required. • HOW YOU’LL THRIVE AT COASTAL • Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development. • Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference. • Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust. • Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box. • Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder. • Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence. • BEING YOU AT COASTAL
Responsibilities
• Own deal pricing models for CCBX partnerships across credit cards / loans, deposits, payments/card issuing, ACH/wires, KYC/AML/fraud, and related services; deliver unit economics (per‑transaction/account) and program‑level P&Ls. • Quantify revenue streams (e.g., program fees, interchange, float/interest spread, platform fees, implementation fees) and fully loaded costs (processing/network fees, KYC/AML, fraud losses/chargebacks, dispute ops, vendor/TPRM costs, support, cloud/tech, compliance/audit). • Incorporate funds transfer pricing (FTP), earnings credit, cost of funds, capital/CECL impacts, and shared cost allocations to produce contribution margin and pre‑tax profitability. • Build sensitivity and scenario models (volume ramps, mix shifts, pricing tiers/minimums, adverse loss scenarios) and define break‑even, NPV/IRR, and payback for executive decisioning. • Create term sheets and pricing exhibits; support commercial negotiations with data‑driven guardrails, floors, and concessions; partner with Legal on economics language. • Maintain a centralized repository of pricing decisions, model versions, and signed commercial terms; support audit and exam requests with complete financial files. • Continuously benchmark market pricing and network/processor fees; monitor regulatory or macro changes impacting BaaS economics and update guardrails accordingly. • Contribute to board and exec‑level materials: crisp memos, one‑page summaries, and appendix analysis that withstands scrutiny.
Benefits
• We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include: • Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle. • Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions. • Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs. • Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly. • Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents. • Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury. • Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most. • 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future. • Paid Time Off: Generous vacation and sick leave policies to support your time away from work. • Holidays: Enjoy 11 paid holidays throughout the year. • Check out our benefits on our careers site https://jobs.ashbyhq.com/coastal!! • PHYSICAL DEMANDS • The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. • While performing the duties of this job, the employee must be able to: • Sit for extended periods of time. • Stand for extended periods of time. • Perform repetitive finger, hand, and arm movement. • Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc. • View and read computer screens for extended periods. • Occasionally stoop, kneel, crouch, or crawl. • Occasionally lift or move up to 10 pounds.
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