Chief Financial Officer (CFO) — AI-Native Insurance & Acquisitions Platform

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    "location": {
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    "datePosted": "2026-02-13",
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    "description": "<p><span style=\"font-size: 12pt; font-weight: bold\">About COVU</span></p>\n<p><span style=\"font-size: 10pt\">COVU is building the AI-native operating stack for insurance distribution — combining software, services, markets, and capital. We partner with, operate, and acquire independent insurance agencies to turn fragmented service businesses into a scalable platform with data, automation, and product at the core.</span></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">The Role</span></p>\n<p><span style=\"font-size: 10pt\">We’re hiring a CFO to own COVU’s full financial system — and to actively drive our next chapter: scaling acquisitions, building a durable capital strategy, and making business performance predictable.</span></p>\n<p><span style=\"font-size: 10pt\">The CFO will own </span><span style=\"font-size: 10pt; font-weight: bold\">capital planning across debt and equity</span><span style=\"font-size: 10pt\">, support the CEO in equity fundraising, and build the operating visibility needed to scale with discipline.</span></p>\n<p><span style=\"font-size: 10pt\">The CFO is also the </span><span style=\"font-size: 10pt; font-weight: bold\">economic architect of COVU’s AI-native operating model</span><span style=\"font-size: 10pt\">. This role ensures capital deployment, automation, service quality, and margin expansion reinforce one another. The CFO co-owns the metrics, instrumentation, and financial guardrails that protect and scale </span><span style=\"font-size: 10pt; font-weight: bold\">Margin-Positive Customer Experience</span><span style=\"font-size: 10pt\"> — ensuring growth never degrades trust, service standards, or operating leverage.</span></p>\n<p><span style=\"font-size: 10pt\">This role is for a CFO who can operate in the details (close, controls, unit economics, working capital) and also lead at the highest level (capital strategy, lender/investor narrative, M&amp;A underwriting, board/audit leadership).</span></p>\n<p><br></p>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Responsibilities</span><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">1) Capital Strategy &amp; Financing (Debt + Equity)</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Own capital strategy and planning: determine the optimal balance of </span><span style=\"font-size: 10pt; font-weight: bold\">debt vs. equity</span><span style=\"font-size: 10pt\"> to support acquisitions and operating needs.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Lead debt financing strategy and execution: warehouse lines, senior secured facilities, acquisition financing, working capital structures, and other credit products.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Build and own lender materials: credit story, collateral and covenant proposals, portfolio performance reporting, and diligence packages.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Support the CEO in equity fundraising: investor materials, fundraising strategy, diligence readiness, and investor communications.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Own liquidity planning, capital allocation, and covenant/compliance governance.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Establish explicit capital deployment </span><span style=\"font-size: 10pt; font-weight: bold\">guardrails and gating criteria</span><span style=\"font-size: 10pt\">: no acquisition, debt expansion, or growth acceleration without integration capacity, workflow-level margin visibility, and customer experience protection metrics in place.</span><span style=\"font-size: 10pt\"><br><br></span></li>\n</ul>\n<p><span style=\"font-size: 12pt; font-weight: bold\">2) Business Predictability, FP&amp;A, and Executive Dashboards (No Surprises)</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Build an FP&amp;A function that drives predictable performance: budget, forecast, scenario planning, and weekly/monthly operating cadence.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Provide executive management and the board with a dashboard of </span><span style=\"font-size: 10pt; font-weight: bold\">leading business indicators</span><span style=\"font-size: 10pt\"> (not just lagging financials), highlighting trends, risks, and opportunities early.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Create an operating rhythm where performance becomes measurable, explainable, and </span><span style=\"font-size: 10pt; font-weight: bold\">devoid of surprises</span><span style=\"font-size: 10pt\">.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Own unit economics, cohort and margin analysis, and acquisition ROI tracking.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Develop workflow-level </span><span style=\"font-size: 10pt; font-weight: bold\">cost-to-serve baselines</span><span style=\"font-size: 10pt\"> and automation ROI models that quantify AI-driven leverage.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Partner with Product and Operations to ensure service quality, automation adoption, and margin expansion are measured in an integrated system — not in silos.</span><span style=\"font-size: 10pt\"><br><br></span></li>\n</ul>\n<p><span style=\"font-size: 12pt; font-weight: bold\">3) M&amp;A Finance — Underwrite, Buy, Validate (Post-Close Discipline)</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Own the financial model for acquisitions: valuation, deal structure, earnouts, downside cases, and synergy realization.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Partner with CEO / Corp Dev on LOIs, deal terms, purchase accounting readiness, and integration milestones.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Build acquisition performance systems: cohort tracking, retention, margin expansion, cross-sell, and integration KPI dashboards.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Establish 30/60/90-day post-close </span><span style=\"font-size: 10pt; font-weight: bold\">economic validation</span><span style=\"font-size: 10pt\"> frameworks to ensure underwriting assumptions translate into realized margin and service outcomes.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Implement an acquisition gating process if integration capacity or CX performance is compromised.</span><span style=\"font-size: 10pt\"><br><br></span></li>\n</ul>\n<p><span style=\"font-size: 12pt; font-weight: bold\">4) Financial Operations &amp; Controls (Multi-Entity)</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Own accounting, treasury, tax, audit readiness, and internal controls across a growing multi-entity structure.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Implement month-end close discipline, chart of accounts, cost center structure, and management reporting that scales.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Build working capital management aligned with brokerage realities (commissions, carrier payables, premium flows where applicable).</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Strengthen procurement/spend controls and financial governance without slowing execution.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Ensure finance data pipelines (commissions, carrier payables, premium flows, automation tracking) are treated as core infrastructure and integrated with operating systems. Finance must operate as a near-real-time decision engine, not a lagging reporting function.</span><span style=\"font-size: 10pt\"><br><br></span></li>\n</ul>\n<p><span style=\"font-size: 12pt; font-weight: bold\">5) Audit Leadership &amp; Board Interface</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Lead the annual financial audit end-to-end.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Serve as the primary interface to the audit partner and the audit committee of the board, ensuring readiness, clean execution, and strong controls.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Own audit committee reporting, accounting policy decisions, and financial risk oversight.</span><span style=\"font-size: 10pt\"><br><br></span></li>\n</ul>\n<p><span style=\"font-size: 12pt; font-weight: bold\">6) Brokerage Economics, Risk, and Durability</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Master insurance distribution economics: commission and fee revenue, contingents (where applicable), chargebacks, premium/commission timing, and operational cost drivers.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Build reporting that ties financial performance to real operating workflows and service capacity.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Support leadership in evaluating carrier/program economics and the financial implications of appointment strategy and portfolio mix.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Quantify carrier concentration risk, contingent revenue exposure, premium timing volatility, and chargeback dynamics to protect balance sheet durability and covenant resilience as leverage increases.</span><span style=\"font-size: 10pt\"><br><br></span></li>\n</ul>\n<p><span style=\"font-size: 12pt; font-weight: bold\">7) Leadership, Culture, and Executive Partnership</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Be the CEO’s strategic partner on planning, risk, capital allocation, and tradeoffs.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Lead board-level financial reporting and narrative: KPIs, forecasts, scenario planning, and capital strategy.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Build and lead the finance organization: hiring, development, and cross-functional operating cadence.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Build financial literacy across operating pods and product teams so leaders understand the economic drivers of automation, service capacity, customer retention, and margin. Finance should elevate decision quality across the organization.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Establish decision forums and governance (e.g., operating reviews, capital/deal gating mechanisms) that increase speed and decision quality simultaneously.</span><span style=\"font-size: 10pt\"><br></span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">What Success Looks Like (First 6–12 Months)</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">A capital plan is in place that clearly defines when we use debt vs. equity and why; debt facilities are closed and operational with a clean reporting cadence.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Executive + board dashboards of leading indicators are live; forecast accuracy improves materially; surprises reduce sharply.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Margin-Positive Customer Experience is measurable and improving across major books of business.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Workflow-level cost-to-serve baselines exist; AI-driven cost-to-serve reductions are visible and validated.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">M&amp;A underwriting + acquisition scorecard are standardized; 30/60/90 post-close validation is embedded; integration performance is tracked and managed tightly.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Close, controls, and audit readiness are predictable; audit runs smoothly with strong governance.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Debt providers and board members trust operating data as decision-grade infrastructure.</span><span style=\"font-size: 10pt\"><br></span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Ideal Background</span></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Required</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">12–20+ years in finance leadership, including senior ownership of FP&amp;A + accounting + capital strategy.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Proven experience leading debt financing processes and negotiating with lenders.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Experience supporting equity fundraising (materials, diligence readiness, investor narrative).</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Strong M&amp;A finance experience: underwriting, deal structuring, and post-close performance management.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Ability to build scalable finance systems: reporting, controls, forecasting, KPIs, and team.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">High integrity, strong judgment, and operational rigor.</span><span style=\"font-size: 10pt\"><br><br></span></li>\n</ul>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Strongly Preferred</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Experience in insurance brokerage, fintech-enabled services, roll-ups, or multi-entity regulated businesses.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Experience with credit products tied to cash-flowing portfolios (senior secured, asset-backed, warehouse facilities, etc.).</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Demonstrated experience tying automation, service quality, and financial outcomes together in a technology-enabled services or operational platform environment.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Proven willingness to say “no” to growth or capital deployment when operating leverage, integration capacity, or CX readiness is insufficient.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Track record partnering with operators (not just reporting after the fact).</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Comfort operating in ambiguity and moving fast with high accountability.</span><span style=\"font-size: 10pt\"><br><br></span></li>\n</ul>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Operating Style (How We Work)</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Low ego, high standards, high velocity.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Can zoom from lender negotiations to close/audit details without losing the thread.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Uses finance to enable execution — not slow it down.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt\">Builds simple, durable systems that increase speed and reduce risk.</span><span style=\"font-size: 10pt\"><br></span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Why Join COVU</span></p>\n<ul>\n<li><span style=\"font-size: 10pt; font-weight: bold\">Real mandate + leverage:</span><span style=\"font-size: 10pt\"> Own capital strategy end-to-end with direct impact on company scale and pace.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt; font-weight: bold\">Platform at an inflection point:</span><span style=\"font-size: 10pt\"> Proven acquisition + operating improvement engine; now institutionalizing finance and unlocking repeatable leverage.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt; font-weight: bold\">Meaningful upside:</span><span style=\"font-size: 10pt\"> Competitive salary, performance-based bonus, and significant equity tied to long-term value creation.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt; font-weight: bold\">AI-native execution, not AI theater:</span><span style=\"font-size: 10pt\"> AI embedded in workflows to drive measurable outcomes: speed, quality, margin, and consistency.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt; font-weight: bold\">High-agency environment:</span><span style=\"font-size: 10pt\"> Work directly with the CEO and leadership team; decisions move fast and accountability is real.</span><span style=\"font-size: 10pt\"><br></span></li>\n<li><span style=\"font-size: 10pt; font-weight: bold\">Institutionally financeable platform:</span><span style=\"font-size: 10pt\"> Building reporting, controls, underwriting discipline, and operating rigor that earns lender and investor confidence.</span><span style=\"font-size: 10pt\"><br></span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Location</span></p>\n<p><span style=\"font-size: 10pt\">San Francisco or Los Angeles (in-office / hybrid)</span></p>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Compensation</span></p>\n<p><span style=\"font-size: 10pt\">Competitive base + performance-based bonus + meaningful equity tied to capital execution, predictability of performance, and acquisition outcomes.</span></p>\n<p><br></p>",
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