Chief Financial Officer

*Hybrid Position*

Hatch's business is a California chartered Industrial Bank focused on lending sponsorship, which powers the evolution of embedded lending products at the point of sale. As a sponsor bank, we empower the growth and success of innovative partners by providing best-in-class financial solutions, deep industry expertise, and collaborative partnerships that build the future of finance.

We are looking for a hands-on CFO to oversee Hatch's accounting, financial reporting, and asset/liability management functions. The CFO will report to the Bank President and will be an important member of Hatch's executive leadership team, influencing the strategic and financial direction of the bank. This individual will be responsible for ensuring financial transparency, operational efficiency, and regulatory compliance, while actively managing the bank’s financial performance, balance sheet, and financial risk profile. A strong background in accounting and financial reporting is essential, along with experience in asset/liability management (ALM).

JOB DUTIES AND RESPONSIBILITIES:

Accounting & Financial Reporting

• Oversee all accounting operations, including GAAP compliance, general ledger, audits, and financial reporting (Call Reports, Board, and other internal financial reports).
• Lead the timely and accurate preparation of internal and external financial reports.
• Maintain strong internal controls and oversight.

Asset/Liability Management (ALM) & Treasury

• Direct the bank’s asset/liability risk management oversight, including Interest rate sensitivity analyses, to maintain profitability while managing interest rate risk, liquidity risk, and capital requirements.
• Participate in the ALCO committee; oversee modeling of NIM, IRR, and cash flow scenarios.
• Ensure sound treasury practices including investment portfolio management, funding strategies, and contingency liquidity planning.
• Assist the Chief Revenue Officer with financial analysis for funding structures, including forward flow agreements, participation agreements, and other capital markets execution strategies designed to support fintech partner programs.

Risk Management & Regulatory Interface

• Collaborate closely with the executive leadership team to manage safety and soundness, including liquidity, market, credit, and overall financial risk oversight.
• Serve as the primary point of contact for financial matters during regulatory exams and interactions with the FDIC and California state regulators.
• Participate in Credit Committee; Contribute to Bank and Fintech’s credit underwriting framework by providing input on portfolio performance metrics & credit enhancement structures [and risk-adjusted return analysis] (exact role dependent on credit experience)

Financial Analysis and Strategic Financial Leadership

• Partner with the President and executive leadership team on the strategic direction of the Bank
• Lead the annual financial planning, budgeting, and periodic financial forecasting
• Support the Chief Revenue Officer on financial analysis for existing business partner relationships and prospects

Team & Operations Oversight

• Lead and develop the finance and accounting team, ensuring scalable processes and high-performance culture, consistent with Hatch's core values:
• Service & Operational Excellence
• Ownership, Accountability & Integrity
• Employee growth and development
• Financial responsibility - entrepreneurial mindset
• Implement and enhance financial systems, forecasting tools, and automation where possible, including the use of AI

PHYSICAL AND SENSORY REQUIREMENTS:

• Prolonged periods sitting at a desk and working on a computer.

POTENITAL ON-THE-JOB-RISKS:

• None identified.

EDUCATION, TRAINING AND EXPERIENCE:

Required:

• Bachelor’s degree in Accounting or Finance; CPA strongly preferred.
• 10+ years of progressive financial leadership in a banking or financial institution, including at least 3 years in a CFO, Controller, or equivalent senior finance role.
• Experience with advancing and working with new technologies which should include BaaS.
• Demonstrated expertise in accounting and regulatory financial reporting.
• Experience in Asset/Liability and Interest Rate Risk Management.
• Proven ability to operate in a regulator-facing role with clear, transparent communication.

Preferred:

• Experience working with or for a Sponsor Bank and/or consumer lender.
• Experience supporting fintech lending programs or structured financing arrangements, including loan sales, credit facilities, or participation agreements.
• Public Accounting experience with a complex bank
• Consumer and/or Commercial credit risk experience

Pay Range: Hatch Bank demonstrates fair, competitive, and market-based compensation for our employees. The salary range for this position is $180,000.00 to $225,000.00. The pay range may vary based on factors including but not limited to knowledge, skills, experience, and work location. We offer a competitive benefits plan including but not limited to Health, Dental, Vision, Life, Disability, 401K, Paid Time off, other ancillary benefits based on position.