Job Title: Chief Financial Officer

Department: Executive

Location: Onsite, Miami, FL,

Reports To: Chief Executive Officer

Type: Full-Time

FLSA: Exempt

About BMG Money Our mission is to provide affordable and responsible credit to help everyday people overcome life’s unexpected expenses and build a stable financial foundation. We all share one vision— to champion the overlooked by using technology to create a path to financial freedom.

Job Summary The Chief Financial Officer (CFO) acts as a strategic business leader with primary responsibility for the planning, implementation, and management of all financial activities within the company. This executive role safeguards the company's assets, manages capital structure, and ensures the highest level of financial integrity, compliance, and reporting quality. The CFO provides insightful analysis to support strategic decision-making and partners with the CEO and Board of Directors to drive long-term and sustainable growth and financial discipline, regulatory excellence, and value creation in a highly regulated and fast-scaling financial services environment .

Supervisory Responsibilities

Leads, mentors, and develops a high-performing finance organization, including the Accounting, FP&A, Capital Markets, and Treasury departments.
Fosters a culture of accountability, integrity, and continuous improvement within the financial teams.
Oversees the scheduling, assignments, and daily workflow of the finance leadership team.
Conducts constructive and timely performance evaluations, creating development plans for staff and authorizing hiring, promotion, or disciplinary actions.

Duties/Responsibilities

Strategic Leadership & Capital Management

Acts as a strategic partner to the CEO, executive team, and Board of Directors, providing financial guidance on all company initiatives, including long-term growth strategies, business development, and operational investments.
Participate in meetings of the Board of Directors and committees (including Audit, Risk, Finance, and other committees as applicable), providing financial insights, reports, and recommendations.
Develops and implements the company’s overall financial strategy, aligning financial goals with broad business objectives and key performance indicators (KPIs), and performance reporting to support executive and board-level decision-making.
Manages the company's capital structure, optimizing the mix of debt and equity to ensure financial flexibility and minimize the cost of capital.
Leads the analysis and financial due diligence for mergers, acquisitions, and divestitures, driving successful integration and value capture.

Financial Planning & Analysis (FP&A)

Directs all financial planning, budgeting, and forecasting processes, ensuring accurate and timely projections of financial performance and its affiliated entities.
Oversees the FP&A team to provide insightful analysis of financial and operating results, identifying trends, variances, and opportunities for cost reduction or revenue generation.

Accounting, Reporting & Compliance

Serves as the Principal Accounting Officer for the organization, responsible for the integrity, accuracy, and timeliness of all internal and external financial statements of all companies within the economic group.
Oversees critical financial systems and infrastructure, driving the necessary technology investments and digital transformation within the finance function.
Strengthen financial governance, internal controls, and risk management frameworks group-wide.

Treasury & Investor Relations

Manages the Treasury function, including cash flow management, banking relationships, investment strategies for surplus funds, and mitigation of financial risks (FX, interest rate, etc.).
Manages and cultivates relationships with investors, banks, rating agencies, and financial institutions.
Lead debt and equity financing initiatives, including structured funding, warehouse lines, securitizations, institutional lender negotiations and capital raises at company and group levels, advanced financial modeling and scenario planning.

Other Duties

Performs other duties as assigned.

Required Skills/Abilities

Technical Expertise

Deep and authoritative knowledge of US GAAP/IFRS and SEC reporting regulations.
Strong experience in capital markets, including debt and equity financing.
Proven ability to optimize capital structures and manage complex treasury functions.
Strong experience with internal controls and audit processes

Leadership & Soft Skills

Exceptional leadership, communication, and interpersonal skills, with the executive presence to effectively represent the company to external stakeholders and the Board.
A strategic problem-solver who turns complex financial data into a roadmap for growth. You thrive under pressure and navigate fast-paced environments with ease.

Education and Experience

Bachelor’s degree in Accounting, Finance, or Economics is required.
MBA or Master's degree in a related field is highly preferred.
Minimum of 10-15+ years of progressive financial leadership experience required.
Proven track record as a CFO, VP of Finance, or Corporate Controller required.
Active CPA (Certified Public Accountant) license is highly preferred
Extensive financial leadership experience within consumer lending or financial services is required, including a proven track record of managing large-scale credit operations, loan portfolios, and the capital markets activities essential to credit-based business models.
Fluency in Portuguese or Spanish is a plus.

Physical Requirements

Prolonged periods of sitting at a desk and working on a computer.
Must be able to lift 15 pounds at times.

BMG Money

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