General Manager - Head of Consumer & Payments

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 Affirm, Block, Klarna, PayPal, Robinhood, SoFi, or similar, and who thrives at the intersection of product leadership, payments infrastructure, and consumer experience.

Responsibilities

• 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 andthe senior leadership team.

Requirements

• 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 or

Benefits

Additional Information

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 .

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