Head of Economics
RemoteUnited States or Tbilisi, Tbilisi, Georgia
Job Summary
Own the unit economics engine for the credit card portfolio by auditing the NPV model within 90 days and delivering a production-grade framework within six to nine months. Define profitability logic for pricing, limits, and roadmap trade-offs, establishing decision rules that replace current bottlenecks. Run the economics cadence including portfolio reviews, A/B test interpretation, and rollout or kill decisions grounded in profitability rather than topline growth. Build and lead the analytics stream to monitor core metrics like ROI, contribution margin, and capital efficiency, translating complex trade-offs into clear operational guidelines for Product, Growth, Risk, and Finance.
Required Qualifications
- 5+ years in fintech, lending, or portfolio economics with direct ownership of profitability outcomes
- Proven track record building and owning LTV/NPV models used in live decision-making — not post-factum analysis
- Advanced SQL and Python
- Strong command of LTV, ROI, marginal economics, cohort behavior, and portfolio dynamics
- Judgment to distinguish when growth creates value and when it destroys it — and the ability to prove it
- Systems thinking: you build and optimize a profitability engine, not isolated features
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