Head of Consumer Finance

Impress; Barcelona; On-site; EUR 120,000 - 180,000; Full time

Job summary

Impress is seeking a Head of Consumer Finance to own and scale the global consumer finance function across markets. You will negotiate terms with financing partners, expand credit facilities, and lead a small Operations team to ensure the right financing options are available for each patient profile.

This role reports to the CFO and drives activity across multiple jurisdictions, ensuring compliant, data-driven financing solutions that support growth in a fast-expanding international group.

Qualifications

• 8+ years in consumer finance, lending partnerships, payments/BNPL, fintech or financial services.
• Experience negotiating credit facilities and partner agreements at scale.
• Proven leadership of high-performing teams and cross-functional collaboration.

Responsibilities

• Manage the global consumer finance strategy and partner roadmap across all markets.
• Negotiate and renegotiate commercial terms with financing partners to improve economics.
• Secure expanded credit facilities to support patient volume growth.
• Identify and onboard new financing partners and products for each market.
• Benchmark partner performance on approval rates, cost, and conversion.
• Lead a consumer finance operations team of 3–4 people.
• Ensure financing workflows and eligibility criteria are standardized across countries.
• Coordinate between financing partners, local sales, finance and compliance.
• Own KPIs and dashboards for leadership on consumer finance performance.
• Ensure compliance with consumer credit regulation and data protection.

Skills

Consumer finance

Lending partnerships

BNPL/payments

Fintech/financial services

Commercial negotiation

Team leadership

Financial modeling

Stakeholder management

Multi-market experience

Job description

We are Impress. We believe everyone deserves a smile they’ll love.

We are the largest chain of ortho clinics with fully digital processes. We have revolutionized the invisible orthodontic sector with the best team of professionals specialized in making people smile and using the latest technology for the diagnosis, treatment, and follow-up of all cases.

Born in Barcelona in 2019, in just 6 years, we’ve grown to pioneer leading care, flagship clinics and state-of-the-art tech across 10 countries and more than 150 locations, and we are expanding fast! Our aim is to improve people’s health and quality of life across the globe.

At Impress, we are scaling at an unprecedented pace. As our Head of Consumer Finance department, you will own and scale our Consumer Finance function at group level. Reporting to the CFO, you will be responsible for the full lifecycle of patient financing: negotiating commercial terms and credit facilities with financing partners, expanding our partner network across markets, and leading the operations team that ensures every local Sales organization offers the right financing solution for each patient.

This is a high-impact, group-level role combining commercial negotiation, partnership management and operational leadership across an international footprint.

Key Responsibilities:

• Manage the global consumer finance strategy and partner roadmap across all market
• Negotiate and renegotiate commercial terms (rates, fees, acceptance criteria, settlement terms) with existing and new financing partners to improve economics as the business scale
• Secure expanded credit facilities and capacity commitments to support patient volume growth
• Identify, evaluate and onboard new financing partners and products (installment lending, BNPL, medical loans) tailored to each market
• Benchmark partner performance on approval rates, cost, conversion and patient experience, maintaining healthy competition across providers.

Operations & Team Leaders

• Lead, mentor and develop a Consumer Finance Operations team of 3–4 people
• Ensure local Sales teams are equipped with the right financing options and procedures for each patient profile, maximizing approval and conversion rates
• Define and standardize financing workflows, eligibility criteria and escalation processes across countries
• Act as the central point of coordination between financing partners, local Sales and Country teams, Finance and Compliance.

Performance, Analytics & Governance

• Own the key performance indicators for the function: approval rates, cost of finance, conversion and partner profitability by market
• Build reporting and dashboards for leadership on consumer finance performance and its impact on the patient journey
• Ensure compliance with consumer credit regulation, data protection and partner contractual obligations across all jurisdictions
• Partner with Finance on forecasting, budgeting and planning related to financing terms.

Candidate Profile

• 8+ years' experience in consumer finance, lending partnerships, payments/BNPL, fintech or financial services, including direct commercial negotiation responsibility
• Proven track record negotiating credit facilities and partner agreements at scale
• Experience managing and developing high-performing teams
• Strong analytical and financial modeling skills, with a solid grasp of consumer credit economics
• International or multi-market experience
• Fluent Spanish and English (working language); additional European languages an advantage
• Excellent stakeholder management across commercial, operational and senior leadership levels
• Experience in healthcare, dental, elective medical or high-ticket consumer services
• Experience scaling a function within a high-growth, investor-backed environment.