Coastal ยท 2 days ago
Head of GTM Finance
United States
Full-time
Onsite
Lead/Staff, Director/Executive
$175K/yr - $200K/yr
5+ years expCoastal Community Bank is a leader in Banking with strong Financial infrastructure. The Head of GTM Finance will build and own financial models that guide deal pricing, partnering closely with CCO and CFO organizations to evaluate programs and present analyses that balance growth, risk, and returns.
Financial Services
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
Qualification
Required
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
Preferred
Experience in banking/fintech/payments or other highly regulated industries strongly preferred
Proficiency with SQL for data pulls/validation preferred
Company
Coastal
At Coastal, we are redefining the banking experience through innovative embedded finance solutions tailored for the modern marketplace.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Danica Hudson
SVP, Head of Enterprise Partnerships & Payments
Erika Heer
Executive Vice President, Chief Human Resources Officer
Recent News
Bank Think
2025-09-29
2025-09-22
Company data provided by crunchbase