Chief Financial Officer (CFO)

About Muscle (Musclepoints) Muscle is the AI optimization layer for bank loyalty programs. We help banks and fintechs control and optimize the economics of every points redemption in real time, so they save money and cardholders get more value. Our platform already powers millions of redemptions for clients like Banamex, Interbank, Banco General, AstroPay and dLocal. Profitable, with $8M raised from angels and private investors No near‑term fundraise needed: we grow on our own revenue 30‑person team, mostly in Costa Rica, with a Miami office opening soon Built by bankers, for banks The Role You will be our first CFO, reporting directly to the CEO. This is a builder role: you will set up the finance function from scratch and become a key partner to the founders on strategy, pricing and growth. What You’ll Do Own financial planning, modeling and forecasting for the company Model the economics of our deals: interchange, acquiring fees, payment flows and redemption margins Help shape pricing and commercial terms with bank and fintech clients Join executive-level client meetings and dinners, and build strong relationships with bank leaders Build the finance stack and processes using AI tools from day one Prepare the company for its next stage of growth (Miami office, new markets, future capital options) What We’re Looking For 5‑8 years in investment banking or private equity, ideally now moving into (or already in) tech Strong financial modeling skills Good understanding of the payments industry (interchange, acquiring fees, payment flows) AI‑native: you use AI tools every day in your work, not just occasionally Fully bilingual in Spanish and English Great people skills: comfortable in front of C-level bank executives Based in the Americas (Miami, US East Coast or LATAM preferred) Nice to Have Open to relocating to Costa Rica Experience in fintech, banking or loyalty Location & Travel Remote within the Americas (Miami, East Coast or LATAM preferred) Travel to Costa Rica or Miami 1-2 times per month Compensation North America: around $250K base LATAM: around $150K base Equity: 1.5% - 2% in stock options #J-18808-Ljbffr Clera Labs, Inc.