Chief Financial Officer

Chief Financial OfficerOur mission: Every pet should get the care they need, regardless of cost. Vet med prices are up 40% since 2020, and pet owners are stuck having to pick between their bank account and furry friend. At Snout, we aim to solve this by enabling clinics to offer pet wellness plans that actually work. The OpportunitySnout has secured a $100M asset-backed lending facility to finance pet wellness receivables. We are looking for a Chief Financial Officer based remotely in the USA or preferably in New York City to design and scale the financial architecture behind this capital engine. The RoleSnout is looking for a Chief Financial Officer to join our leadership team and help shape the future of a fast-growing, venture-backed fintech company in the veterinary space. This is not a traditional SaaS finance leadership role. This is a capital-intensive fintech model where unit economics, delinquency performance, and liquidity strategy directly determine growth velocity. You'll report directly to the CEO and own the financial strategy, capital structure, and operating rigor that power the business. At Snout, finance isn't just about reporting and forecasting. It's about helping design the future of our product, inform pricing and risk models, and influence how we scale. What makes this role unique is that you'll perform weekly portfolio reporting to an institutional lender, advance rate increases based on performance triggers, complete borrowing based math tied to receivable eligibility, work on structured credit dynamics in a consumer subscription wrapper and create a path to profitability with optional equity. This is a hands-on leadership role. You will build systems, design models, and elevate financial rigor not simply manage an existing machine. If you're part spreadsheet nerd, part strategic operator, and excited by the idea of building something new with a team that moves fast and thinks big we'd love to talk. Snout is committed to building a diverse and inclusive team. We know that great candidates may not check every box and that's okay. If you're excited about this role and our mission, we encourage you to apply if you meet at least 75% of qualifications including the first bullet. If you need any accommodations during the application or interview process, please let us know we're happy to support you. What You'll DoDevelop the finance function from 0?1 (controller + strategic finance + accounting ops) Lead the company's financial planning and strategy, including budgeting, forecasting, and long-term financial modeling:Capital architectureCovenant forecasting Borrowing base modelingUnit economics ownershipDesign the KPI framework across utilization, bad debt, churn, and survivorshipRisk modeling Liquidity strategyPartner directly with the CEO on capital structure and long-term IPO readiness Upgrade systems and reporting to institutional-grade standards Build a lean and high performing team that leverages the power of AI technology What We're Looking For815 years progressive finance experience Has owned cash forecasting under covenants Has managed a warehouse/ABL/credit facility Has built finance from 0?1 In-depth understanding of financial modeling, financial statements, and excel Strong leadership and organizational skills, with an ability to think strategically Excellent communication and interpersonal skills, with the ability to manage various stakeholders Ability to travel quarterly to our Troy, Michigan office and is located nearby an airport What Will Make You Stand OutExperience in the following:Fintech (BNPL, consumer lending, payments, specialty finance) Structured subscription businesses Asset-backed credit or receivables financing environments High-growth Series AC companiesHaving a self-starter or entrepreneurial background Ownership and accountability, you don't need a big team to make big things happen Passion for pets, startups, or both Why You Should Join SnoutAbility to have a meaningful impact from Day 1, where your voice and opinion matters Build and scale a team from scratch, take the function from 0 to 1 Get involved in strategy beyond finance - this is an operational role, the finance function will touch operations, engineering/product development and more We're a well capitalized business with a clear path to profitability Unlimited potential to grow in your career, learn and expand your skillsets Collaborative, flexible, and friendly culture oriented around a growth mindset Why This Role Might Not Be A Fit For YouYou need structure - this is a highly strategic role on a small fast moving team, we are building structure as we go but transparently, it's not fully there at the moment You've never worked on a small team before you will be responsible for an entire function and you will be the first in the role, you'll have to build the team yourself You haven't worked in excel for a while, we are an early stage company and all our executives still do hands on work You don't have superior attention to detail You hate travel, while the role is remote, we value face to face interaction as much as possible and our leadership team meets quarterly in person Compensation$180,000 - $250,000 base salary Equity BenefitsDay 1 medical/dental/vision benefits Flexible time off + 11 Snout calendar holidays Paid parental leave