Director, Financial Products & Strategy

Job Title:         Director, Financial Products & Strategy

Location:         Remote

Department:   Finance 

Reports to:      Chief Financial Officer

Company:       BriteCap Financial LLC

About Us: 

BriteCap Financial is a leading financial technology company dedicated to providing innovative lending solutions to small businesses since 2003. We specialize in helping small businesses nationwide thrive by offering tailored financing products and exceptional customer service. Our team is committed to fostering a supportive and collaborative work environment where individuals can grow and succeed.

Position Overview:

This position will own the design, economics, development, performance, and ongoing optimization of BriteCap’s financial products. Sitting at the intersection of Finance, Credit, Sales, Marketing, Revenue Operations, Credit Operations, Product, and Technology, this role will answer a fundamental set of questions for each BriteCap product.

What should we offer, to whom, on what terms, and at what economics?

This position will serve as the primary business owner for BriteCap’s financial-product portfolio, including existing products such as BriteCap Signature™, BriteCap Rise™, and BriteCap Rx™, as well as new products and capabilities such as BriteLine 2.0 and future franchise-finance offerings.

This role requires a unique combination of financial sophistication, analytical rigor, commercial curiosity, and strong cross-functional leadership.

Key Responsibilities:

 Financial Product Ownership & Development

• Own the strategy, design, and ongoing development of BriteCap’s financial products.
• Define target customers, product structure, loan amounts, tenors, pricing, fees, broker economics, competitive positioning, and overall value proposition.
• Lead development of new financial products from initial concept through launch and ongoing optimization.
• Translate market opportunities into well-developed product proposals, including economics, proposed credit parameters, operational requirements, technology requirements, and go-to-market considerations.
• Serve as the primary business owner for strategic product partnerships, including the ongoing development and optimization of BriteCap Rise™.

Product Economics, Planning & Pricing

• Develop and maintain rigorous product-level economic models incorporating pricing, expected losses, cost of capital, operational costs, broker compensation, conversion, renewals, and customer lifetime value.
• Evaluate tradeoffs among pricing, loan amount, tenor, credit quality, incentives, and other product variables to optimize risk-adjusted returns.
• Partner with Finance and Credit to establish appropriate product-level return targets and measure actual performance against expectations.
• Develop product-level forecasting and scenario-analysis capabilities that connect product strategy, customer behavior, credit performance, and unit economics to BriteCap’s financial plan.
• Lead the implementation and ongoing development of Pigment as BriteCap’s FP&A, forecasting, and scenario-planning platform, working with Finance and other functional leaders to improve the company’s planning, forecasting, and management decision-making capabilities.
• Build the analytical infrastructure necessary to evaluate product performance, model strategic alternatives, and support increasingly data-driven decisions across the business.

Market & Competitive Intelligence

• Build a structured competitive-intelligence capability using input from brokers, customers, Sales, Marketing, industry research, and BriteCap’s own performance data.
• Monitor competitor pricing, terms, credit appetite, product features, broker economics, customer experience, and BriteCap win/loss drivers.
• Translate market intelligence and customer feedback into actionable changes to products, pricing, and strategy.
• Evaluate product-market fit and identify opportunities for new products or underserved customer segments.

Customer & Portfolio Analytics

• Develop deeper understanding of customer behavior, including renewal rates, repeat usage, retention, and lifetime value.
• Incorporate customer lifetime economics into product, pricing, credit, and acquisition decisions.
• Establish product-level performance measurements covering growth, conversion, credit performance, profitability, and risk-adjusted returns.

Cross-Functional Leadership

Partner closely across the organization to turn product strategy into execution:

• Credit: Develop proposed credit parameters and evaluate potential policy changes; Credit retains independent authority for credit policy and risk governance.
• Product & Technology: Define business and financial-product requirements and partner with Platform and UX Product Management to translate them into technology capabilities and customer experiences.
• Revenue Operations: Ensure sales processes, systems, analytics, workflows, and enablement support product strategy.
• Credit Operations: Ensure products can be efficiently and consistently underwritten and administered.
• Sales & Marketing: Gather market intelligence, understand customer and broker needs, develop go-to-market strategies, and drive product adoption.
• Finance & Analytics: Develop product economics, forecasts, performance measurement, and decision-support capabilities.

Measures of Success

Success will be measured by the performance of BriteCap’s financial products and the quality of the decision-making capabilities supporting them, including:

• Product growth and profitability
• Risk-adjusted returns and IRR
• Pricing effectiveness
• Approval and conversion performance
• Customer acquisition economics and lifetime value
• Credit performance relative to expectations
• Competitive positioning and product-market fit
• Accuracy and sophistication of product-level forecasting
• Successful development and launch of new products
• Successful implementation and adoption of Pigment
• Quality and effectiveness of product and competitive intelligence

Experience & Leadership Profile

The ideal candidate will bring experience across several of the following areas:

• Financial services, banking, lending, fintech, or specialty finance
• Financial-product development and management
• Pricing, profitability, and unit-economics analysis
• FP&A, strategic finance, or corporate strategy
• Credit and lending economics
• Financial modeling, forecasting, and scenario planning
• Product, program, or project management
• Technology-enabled business transformation

Qualifications:

• Bachelor's degree in Accounting, Finance, Economics, or related field (MBA, CPA, or CFA preferred).
• 10+ years of experience in finance, with at least 5 years in a leadership role.
• Proven experience in financial management, strategic planning, and risk management.
• Deep knowledge of financial reporting, accounting standards, and regulatory compliance.
• Strong leadership, interpersonal, and communication skills.
• Expertise in financial modeling, forecasting, and data analysis.
• Experience with ERP systems and advanced Excel skills.
• Demonstrated ability to manage relationships with investors, bankers, and other external partners.
• Experience in the fintech industry, as well as familiarity with capital market transactions including debt warehouse facilities and securitizations.

The successful candidate will be intellectually curious, highly analytical, commercially minded, and comfortable operating across traditional organizational boundaries. They will be able to move fluidly between financial modeling, market research, credit economics, customer needs, technology requirements, and operational execution.

Above all, this individual will think like a business owner—turning incomplete information into structured problems, challenging assumptions, bringing people together across functions, and driving complex initiatives from idea through execution.