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I don't quite understand the implication of this sentence. Why won't they have to cope with more expensive borrowing? Does a finance director have to borrow money to be through a job?
"First, it creates complacency. A homeowner with a mortgage could easily be getting close to 40 without ever having seen a rate rise. A finance director could have been through two or three jobs without ever having to cope with more expensive borrowing."
The phrase does not mean the finance director will not have to cope with expensive borrowing. It means that for a long time they have not had to cope with it.
A finance director could have "been through two or three jobs" - which means they have maybe worked in two or three different places, presumably for several years. In this whole time there was not one situation when they had to deal with a challenge caused by expensive borrowing.
This is what causes the complacency mentioned at the start of the paragraph, meaning "a feeling of quiet pleasure or security, often while unaware of some potential danger".
