About team / role
WEX is seeking a senior-level individual contributor with deep payments and card-industry economics expertise to own and elevate financial decision-making in our mobility payments portfolios.
The Financial Architect of our Mobility portfolios—balancing revenue growth with credit-risk appetite and capital efficiency. This role will serve as the economic authority for payments—integrating unit economics, credit and funding impacts, partner and network economics, pricing, and behavioral insights into clear, actionable recommendations for executive leadership.
How you'll make an impact
1. Own Payments Unit Economics & Portfolio Profitability
Lead end-to-end modeling of true unit economics, including:
Interchange and fee revenue
Rewards liability and breakage
Credit losses and timing
Cost of funds and balance-sheet usage
Build and maintain cohort- and segment-level profitability views
Evaluate portfolio decisions through LTV and contribution margin lenses
2. Finance-Owned Credit & Risk Translation
Partner with Risk to translate:
Utilization curves
Delinquency and loss behavior
Expected loss assumptions
into financial forecasts and growth tradeoffs
Ensure risk assumptions are consistently embedded across:
Forecasts
Long-range plans
Pricing and portfolio decisions
Provide a finance-led perspective on growth vs loss vs capital tradeoffs
3. Partner, Network & Ecosystem Economics
Own financial evaluation of:
Revenue-share and referral structures
Network and processor fees
Partner-level profitability
Merchant-side economics
Advise Commercial teams on:
Value-accretive vs dilutive partnerships
Deal structures that scale portfolio value
Establish economic guardrails for partner strategy
4. Pricing & Portfolio Optimization
Lead pricing and portfolio optimization
Evaluate financial impact of:
Minimum due structures
Days-to-pay behavior
Credit-limit and line-assignment strategies
Integrate behavioral analytics into pricing and product decisions
Development of Product/Segment P&Ls
Pricing and mix analysis: breakdown of revenue profile by account vintage (vintage performance)
5. Working Capital & Funding Strategy (with Treasury)
Model balance-sheet impacts of:
AR growth
Revolving balances
Portfolio mix shifts
Partner with Treasury to forecast funding needs and cost-of-capital implications
Analyze DSO dynamics across fleet card portfolio and translate into working capital intensity metrics or profitability impacts
6. Lead Payments Analytics & FP&A Capability
Own the integration of analytics outputs into finance decision frameworks
Set economic modeling standards and decision templates
Champion adoption of AI and automation-enabled analytics tools (e.g., Alteryx, Tableau, Python/SQL) to build scalable, repeatable modeling infrastructure; partner with the finance center of expertise on tool integration
Elevate Finance’s role as a strategic partner to Product, Risk, and Commercial teams
Experience you'll bring
Required Qualifications:
12-15+ years of experience in payments, cards, fintech, or network-based financial services
Deep hands-on experience with:
Interchange economics
Credit losses and funding mechanics
Portfolio-level unit economics
Background in strategic finance, product finance, or payments-focused FP&A
Proven ability to influence senior leaders across Product, Risk, and Commercial
Preferred Qualifications:
Issuer, network, or closed-loop ecosystem experience
SMB portfolio exposure
Experience with co-brand or partner portfolios
Core programming fluency with analytics and automation tools (e.g., SQL, Python, Alteryx, Tableau) and comfort operating in data-intensive, AI-augmented finance environments