Head of Consumer Finance

• More than 5 years of experience in companies closely related to consumer financing.

• Proven experience leading financial products or financing programs.

• A real track record of generating business through financing.

• Experience negotiating with financial institutions and fintechs.

• Experience with customer scoring systems.

• Strategic vision.

• Analytical skills.

• Obsession with delivering the best customer experience.

• High-level negotiation skills in both Spanish and English (minimum C1).

Additionally, the following will be valued positively:

• Experience in e-commerce or retail.

• Experience in BNPL.

• Experience with credit cards, consumer loans, or point-of-sale financing.

• Participation in launching digital financial products.

• Knowledge of revenue sharing models and financial monetization.

💻 Hybrid work. With periodic visits to HQ in Alhama de Murcia.

💸 Starting salary: €60,000 gross annual salary + variable.

⌚ Flexible schedule, taking into account the store's opening hours and the results to be delivered.

📈 Personal development. We invest in general training (for the whole team) and specific training (for you). Our goal is for you to keep growing.

🧑🤝🧑 Flexible compensation (restaurant card, training, childcare, health insurance...).

🔖 Discounts on your purchases at PcComponentes and other stores (travel, general consumption, lifestyle...).

🧠 Personal and emotional well-being program. Where you can access a confidential online psychological support service whenever you need it, as well as exercise programs and medical, legal, and veterinary consultation chats.

We want to take our financial offering a step further, turning financing into a true driver of growth, customer loyalty, and profitability.

To do this, we are looking for a Head of Consumer Finance—someone capable of taking consumer financing at PcComponentes to the next level, transforming the way our customers access technology and creating a sustainable competitive advantage for the company.

To design, lead, and scale PcComponentes' consumer financing strategy, turning it into a competitive advantage capable of:

• Increasing purchase conversion.

• Improving average order value.

• Raising approval rates for transactions.

• Developing new revenue streams.

• Creating differentiated financial experiences for our customers.

• Building in-house capabilities that allow PcComponentes to capture a greater share of the value generated by financing.

• Defining the vision and roadmap for consumer financing over the coming years.

• Designing new commercial financing offers for individual customers and self-employed professionals.

• Developing financing models tailored to different product categories, customer profiles, and purchase moments.

• Designing strategies to increase transaction approval rates.

• Exploring new business models related to financing, subscriptions, tech renting, or embedded finance.

• Leading relationships with financial institutions, fintechs, and payment providers.

• Negotiating commercial terms, revenue sharing, incentives, and collaboration models.

• Developing new national and international partnerships.

• Working closely with all related areas of the role.