Sr. Manager, Fintech Pricing Strategy & Economics

ABOUT US Here at MVB, our company culture defines the environment in which Team Members thrive. Our culture impacts a wide range of elements, including our purpose, values, expectations and goals that support growth and engagement – it is the secret sauce of our organization! Our values live at the core of all that we do – Trust, Commitment, Teamwork, Adaptive, Respect, Love and Caring are our foundation for success. We are committed to fostering an environment focused on diversity, equity and inclusion, and we welcome Team Members from all walks of life. Join Team MVB today! MVB Financial Corp. (“MVB Financial” or “MVB”), the innovative financial holding company of MVB Bank, Inc., is publicly traded on The Nasdaq Capital Market® under the ticker “MVBF.” Through its subsidiary, MVB Bank, Inc., (“MVB Bank”) and the bank’s subsidiaries, MVB provides services to individuals and corporate clients in the Mid-Atlantic region, as well as to Fintech, Payment and Gaming clients throughout the United States. For more information about MVB, please visit This role can be based remotely. Candidates must reside in one of the following states: West Virginia, Virginia, Texas, Florida, Ohio, Pennsylvania, Maryland, Washington D.C., New York, New Jersey, Arkansas, Alabama, Arizona, Delaware, Indiana, North Carolina, Georgia, or South Dakota. ABOUT THE ROLE This position, in partnership with the Fintech business unit, is responsible for the development and execution of the profitability strategy for MVB Bank, Inc.'s Fintech division. The Sr. Manager, Fintech Pricing Strategy & Economics serves as the primary Finance specialist on client profitability, pricing methodology, and the financial terms of Fintech relationships, and ensures that each client engagement remains consistent with the overall strategy of MVB. This role sits within the Finance Department. This position is not a people management role; however, a successful candidate will be able to provide guidance and direction to supporting personnel as business needs require. The role serves as a partner to senior leaders of the Fintech division, including the Head of Business Development, Fintech Division, and collaborates with the Chief Deposit Officer on pricing and financial analysis. WHAT YOU’LL DO Profitability Strategy and Pricing Assume ownership of Fintech profitability strategy, including the establishment of the methodology, thresholds, and return requirements used to evaluate prospective and existing Fintech relationships. Develop and maintain financial models and projections used to assess client profitability and make financial recommendations to executive management. Prepare pricing recommendations for new Fintech clients across all relevant components, including fee structures, deposit pricing and earnings credit, interchange and revenue share arrangements, minimum balance requirements, and contract terms such as renewals and exit provisions. Lead the Finance review and recommendation during the initial stages of client evaluation, and present the recommendation to the Fintech Oversight Committee. Communicate the approved strategy and pricing requirements to the Fintech team during initial client discussions and during the renegotiation of contracts with existing clients. Evaluate the profitability of the existing client portfolio on a continuing basis, and identify actions to improve returns. Client and Cross Functional Collaboration Establish and maintain effective working relationships with key Fintech personnel and ensure that client engagements remain consistent with the overall financial objectives of MVB. Participate directly in client meetings and negotiations, as appropriate, to communicate financial requirements and to support pricing discussions. Collaborate with the Head of Business Development, Fintech Division, and the Chief Deposit Officer in the development and refinement of Fintech strategy. Serve as the liaison for Fintech Finance matters with external parties, including vendors, auditors, and sponsor bank counterparties, as well as with internal stakeholders. Work across the organization to ensure that the data required to analyze unit economics and partner performance is received completely, accurately, and on a timely basis, in support of a deeper understanding of Fintech profitability. Committee Participation Participate actively on behalf of Finance in the Liquidity and Capital Committee, the Finance Committee, the Asset Liability Committee (ALCO), the Management Pricing Committee, and the Fintech Oversight Committee. Provide strategic financial input on matters affecting the Fintech division, including balance sheet, liquidity, and capital considerations related to Fintech deposits and revenue. Reporting and Budgeting Maintain ownership of the Fintech profitability models and profitability reports. Maintain ownership of the monthly Fintech noninterest income report and the monthly new Fintech clients report. Develop and maintain the Fintech budgeting assumptions incorporated into the overall budgeting process. Prepare a rolling forecast of Fintech financial performance monthly, with a forecast horizon of up to 24 months, and communicate the results and underlying assumptions to senior management. Perform additional Fintech profitability modeling and analysis at the request of management. Work with senior management to provide monthly and quarterly updates to company stakeholders. Provide guidance and review of work product prepared by supporting Fintech and Finance personnel, as appropriate. Policy, Controls, and Audit Develop and maintain policies and procedures that ensure adherence to company guidelines, including internal control and SOX requirements, and develop additional policies related to Fintech pricing and client profitability, as necessary. Support internal and external audit reviews and regulatory examinations. Assist the audit process by providing support and explanation for financial information. Identify and recommend improvements to business functions, processes, and procedures. Perform special projects related to financial planning and analysis, as required. EDUCATION & WORK EXPERIENCE An undergraduate degree in finance, accounting, economics, business administration, or a related business discipline, with a minimum of 7+ years of relevant experience, including prior experience in banking and Fintech. Demonstrated ability to construct complex and advanced Excel models (samples of work will be considered). Working knowledge of banking economics, including deposit pricing, earnings credit, and the drivers of net interest margin. Familiarity with Banking as a Service (BaaS) and payments business models. Familiarity with sponsor bank economics. Demonstrated experience in forecasting and in the analysis of unit economics and partner level performance data. Strong analytical, investigative, documentation, and critical thinking skills. Strong ownership of, and accountability for, work product. Demonstrated ability to lead, manage, and prioritize multiple projects, tasks, or workflows. Strong presentation and communication skills, with the ability to influence business partners and executive management. Excellent interpersonal skills, with the ability to establish and maintain effective working relationships across all levels of the organization. Advanced technical computer skills, including proficiency with Microsoft Office products. Highly organized, driven, and proactive. BENEFITS AT MVB Medical, Dental and Vision Insurance Health Savings Account (HSA), Health Reimbursement Account (HRA) & Flexible Spending Accounts (FSA) Short- and Long-Term Disability Plan Group Life Insurance 401K Salary Deferral Plan Wellness Program Education & Tuition Expense Reimbursement PTO and Unique Vacation Purchase Program Nationwide Pet Insurance Coverage

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