General Manager - Head of Consumer & Payments

Esusu: Building Credit Access for All Your financial future shouldn't depend on your race, background, or zip code. Yet 45 million Americans remain \"credit invisible,\" while countless others face denials, evictions, and predatory interest rates regularly. Esusu is changing that. As a financial technology and data platform, we're revolutionizing financial health, identity services, and inclusive decision‑making for individuals and businesses alike. Our impact speaks volumes: $50 billion in credit activity facilitated 5 million+ rental units in our network Trusted partnerships with leading real estate companies, government entities, fintechs, banks, and employers Through our enterprise services, embedded products, and consumer offerings, we're creating a financial system that works for everyone—right when fintech innovation matters most. Join us in building a future where financial systems are inclusive by design, access is standard, and opportunity reaches everyone. Unlock Tomorrow with Esusu. About the Role We are looking for a Head of Consumer & Payments to serve as the General Manager of our consumer business, with deep expertise across consumer financial products, specifically lending and payments. This leader will own the full consumer P&L and lifecycle strategy, product, growth, risk, operations, and partnerships while building intuitive, trusted, and scalable payment experiences. This role is ideal for someone who has built and scaled consumer fintech products at companies like Affiry, Block, Klarna, PayPal, Robinhood, SoFi, or similar, and who thrives at the intersection of product leadership, payments infrastructure, and consumer experience. What You’ll Do General Management & Strategy Own the end‑to‑end consumer business, including vision, strategy, execution, and performance. Set and manage P&L, unit economics, and long‑term growth strategy for consumer products. Define success metrics across acquisition, engagement, performance, retention, and revenue. Drive growth while balancing compliance, risk, and scalability. Consumer Product Leadership Lead the roadmap for consumer‑facing products, including payments, checkout, wallets, lending, and post‑purchase experiences. Champion simple, transparent, and trust‑first consumer design. Partner cross‑functionally to deliver scalable solutions while driving core KPIs. Make high‑quality tradeoffs between speed, reliability, cost, and regulatory requirements with a maniacal focus on growth. Leverage AI to deliver value, increase productivity, and drive delightful consumer experiences. Payments & Platform Expertise Own core payment flows (auth, settlement, funding, reconciliation, disputes, refunds). Drive strategy across payment methods (cards, ACH, wallets, BNPL, alternative rails). Manage relationships with payment processors, networks, issuing banks, and strategic partners. Lead initiatives to improve approval rates, reduce fraud, optimize costs, and increase reliability. Growth & Go‑to‑Market Partner with Marketing and Growth teams to drive consumer acquisition and engagement. Optimize onboarding, checkout conversion, and repeat usage through experimentation and data. Identify and launch new consumer use cases, verticals, or geographies. Leadership & Team Building Build and lead a high‑performing leadership team, including hiring, performance management, and creating leverage. Set a strong culture of ownership, accountability, and consumer obsession. Act as a senior leader across the company, influencing strategy beyond the consumer org. Operate as a trusted thought partner to the Co‑CEOs and the senior leadership team. What We’re Looking For Experience 10+ years of experience in consumer fintech, payments, or financial services. Proven experience as a GM, business lead, or head of a major product line. Deep hands‑on knowledge of payments ecosystems (cards, networks, processors, issuers, fraud, disputes). Track record of building and scaling consumer products used by millions of users generating subscription revenue. Skills & Mindset Strong strategic thinker with the ability to execute at an operational level Consumer‑first mindset with deep empathy for user needs and behaviors Data‑driven decision maker comfortable owning financial and risk outcomes Excellent cross‑functional leader and communicator Comfortable navigating regulated environments and complex partner ecosystems Demonstrated expertise in comprehending and explaining complex technical concepts and effectively bridging the gap between business, product, and technical strategies Implemented AI and ML solutions in large-scale, real‑world consumer products Leadership Competencies Intellectual Horsepower: comfortably deals with concepts and complexity; described as intellectually sharp, capable, and agile. Results‑Oriented: Can be counted on to exceed goals successfully; is constantly and consistently one of the top performers; bottom‑line oriented; steadfastly pushes self and others for results. Customer Focus: Is dedicated to meeting the expectations and requirements of internal and external customers; gets first‑hand customer information and uses it for improvements in products and services; acts with customers in mind; establishes and maintains effective relationships; gains their trust and respect. Interpersonal Savvy: Relates well to all kinds of people, up, down, and sideways, inside and outside the organization; builds appropriate rapport; builds constructive and effective relationships; uses diplomacy and tact; can diffuse even high‑tension situations comfortably. Priority Setting: Spends their time and the time of others on what's important; quickly zeros in on the critical few and puts the trivial many aside; can quickly sense what will help or hinder accomplishing a goal; eliminates roadblocks; creates focus and drives urgency. Business Acumen: Knows how businesses work; knowledgeable in current and possible future policies, practices, trends, and information affecting their business and organization; knows the competition; is aware of how strategies and tactics work in the marketplace. Dealing with Ambiguity: Can effectively cope with change; can shift gears comfortably; can decide and act without having the total picture; isn't upset when things are up in the air; doesn't have to finish things before moving on; can comfortably handle risk and uncertainty. In this role, embracing new technologies and ways of working. Bias to Action: History rewards the bold and optimistic. We value risk management but ultimately changing the status quo requires taking action and calibrating accordingly. We appreciate leaders with a penchant to act. This role is likely not a fit if: You are looking for a low intensity role with high predictability. This role will be demanding and fast paced as you will be launching new products and scaling current ones. You expect to hire a team of executors on‑staff or hire agencies so that you can stay “high level” on strategy. You’re not already using AI tools in your day‑to‑day workflow. You are averse to feedback or iteration. This will be a high visibility role with direct input from the Co‑CEOs and constant iteration to drive better outcomes. You are comfortable with ‘good enough’, we are looking for bar raisers who create a culture of excellence. Competitive Benefits That Support You At Esusu, we invest in our people with benefits designed to help you thrive both personally and professionally: $300,000 – $350,000 annually (Competitive Salary) Equity – a significant RSU grant which vest over four years with a 1 year cliff. Remote first work environment – Where we trust you to get your work done. Generous PTO – Enjoy a generous time off policy and 14 company‑wide paid holidays. Premium Health Coverage – Comprehensive medical, dental, and vision insurance. Partial‑Employer Funded Health Savings Account – Available for High Deductible Plans. Paid Parental Leave – 12 weeks of 100% pay to support growing families. Retirement Plans – Secure your future with our competitive 401(k) offerings, including a 4% company match (for US only). Tuition Reimbursement – For qualified programs to complement work experience. Professional Development Stipend – To support your continued growth and learning. In person and virtual team get‑togethers – To connect with your fellow Esusu colleagues. Free Credit Building Benefit – Build your credit score for free as an Esusu employee. This job is eligible only for the following states: California, Colorado, District of Columbia, Georgia, New York, Illinois and Washington. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. © Esusu Inc. All rights reserved, Esusu is proud to be an equal opportunity workplace. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, gender identity, sexual orientation, age, disability, veteran status, or other applicable legally protected characteristics. We encourage people of different backgrounds, experiences, abilities, and perspectives to apply. #J-18808-Ljbffr Esusu Financial