Be an early applicantLess than 25 applicants

Company

Mosaic (joinmosaic.com) · 4 hours ago

Director/Sr. Director, Pricing and Product Profitability

Oakland, CA

Full-time

Remote

Senior Level, Lead/Staff, Director/Executive

$160K/yr - $215K/yr

10+ years exp

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Responsibilities

Lead the development and execution of pricing strategies for solar and other home improvement loan products to achieve business objectives and market competitiveness

Analyze market trends, competitor pricing, and customer needs to inform pricing decisions

Collaborate with sales, marketing, product and capital markets teams to align pricing strategies with market positioning and business goals

Lead Risk and Pricing Committee ("RPC") and RPC proposal development in conjunction with sales, product, and risk leaders

Monitor and analyze the profitability of existing and new loan products

Maintain current pricing models and develop new financial models as needed; including maintaining the SoT for models built technology systems

Partner with FP&A to identify opportunities to enhance product margins through cost optimization and efficiency improvements

Partner with the capital markets team to understand and develop market return requirements

Partner with risk team to develop and maintain loan performance assumptions to be used in pricing decisions

Partner with FP&A to provide feasible APR and dealer fee forecasts for near term and long term forecast

Partner with various internal stakeholders to create a comprehensive view on product structure, funding, pricing, etc.

Partner with the product development team to ensure new product launches are priced appropriately and positioned for success

Work closely with the operations, risk, and legal & compliance teams to ensure pricing strategies are feasible and align with regulatory requirements

Conduct internal and external market research and competitive analysis to stay informed about industry trends and shifts

Utilize data analytics to inform pricing strategies and profitability assessments

Prepare and present detailed reports and recommendations to senior management and stakeholders

Partner with capital markets and risk teams to analyze, set, and forecast loan assumption changes

Partner with the risk team to develop and optimize risk based pricing strategies

Partner with the capital markets team to inform our asset backed securitization (ABS) structures and cash flow model development

Partner with treasury on liquidity impact of new products

Qualification

Find out how your skills align with this job's requirements. If anything seems off, you can easily click on the tags to select or unselect skills to reflect your actual expertise.

Pricing Strategy DevelopmentFinancial ModelingMarket AnalysisData AnalyticsFinancial Analysis SoftwareExcelSQLExperience in FintechConsumer LoansAnaplanTableauExperience in Solar Industry

Required

10+ years of driving growth in fintech or financial services companies through financial product roles and/or experience leading financial products strategy, analysis, and pricing for consumer loans

Ability to develop and execute comprehensive pricing strategies that align with business objectives and market demands

Proven experience in market analysis and data-driven decision making

Ability to build strong cross functional partnerships and lead cross-functional projects, with the ability to influence and drive strategy

In-depth understanding of financial modeling

Proficiency in financial analysis software and tools (e.g. Excel, SQL, Anaplan is a plus)

Experience with data analytics platforms (e.g. Tableau) to inform pricing strategies and profitability assessments

Excellent communication and presentation skills to articulate complex strategies and financial data to senior management and stakeholders

Bachelor's degree In finance, economics, business administration, or a related field, or equivalent experience/credentials

Preferred

Experience working in the solar or home improvement industry - contractor, distributor, finance provider or SaaS

Benefits

Robust Health, Dental, and Vision Plans

Generous paid time off

401k Match

Lifestyle Spending accounts for professional wellness

Mental Health: Headspace subscription, online therapy sessions

Company

Mosaic (joinmosaic.com)

Glassdoor

3.9

Mosaic makes financing solar, solar plus energy storage systems and other sustainable home improvements accessible and affordable for homeowners by providing a fast and easy way to apply for financing options.

Founded in 2011

Oakland, California, USA

201-500 employees