Job Description:

• Lead financial planning, forecasting, and operating expense management across the organization.
• Own, update and enhance the corporate financial model to support budgeting, forecasting, long-range planning, and strategic scenario analysis for executive leadership.
• Deliver proactive, data‑driven insights and recommendations that strengthen financial performance and optimize resource allocation.
• Build and present business cases for strategic initiatives and transactions; track results and guide follow‑up actions.
• Standardize and automate expenses, headcount, and financial reporting to improve accuracy and efficiency.
• Serve as a trusted advisor to senior leadership, providing clear guidance on financial strategy and business decisions.
• Own and communicate the operating expense narrative for executive reviews and key stakeholders.
• Forecast and monitor origination volume and loan portfolio performance, including delinquency, charge‑off, recovery, and loss trends.
• Partner with Risk/Credit on loss forecasting and assess financial impacts of underwriting or policy changes.
• Analyze unit economics (CAC, LTV, channel profitability) to guide pricing, marketing spend, and product strategy.
• Support pricing models and new product features in collaboration with Product and Risk teams.
• Assist with capital planning, liquidity forecasting, and funding strategy.
• Incorporate regulatory and compliance considerations into forecasts and financial planning.

Requirements:

• Bachelor's degree in finance, accounting, or related field; MBA, CFA, CPA or advanced degree preferred but not required.
• 5+ years of FP&A or related financial experience within financial services, consumer lending, or another regulated environment.
• Proven expertise in expense forecasting, financial modeling, reporting, and operating expense management.
• Very strong proficiency in Excel, employing best practices for financial modeling and having the ability to create clean, professional PowerPoint presentations to communicate financial insights.
• Strong strategic thinking with the ability to turn financial insights into clear, actionable recommendations.
• Executive presence and excellent communication skills for engaging senior leadership and cross‑functional teams.
• Strong project‑management abilities with a bias for execution and results.
• High judgment, integrity, and credibility in financial decision‑making.
• Solid understanding of operating expenses, accounting principles, and financial reporting best practices.
• Advanced analytical and modeling capabilities with the ability to simplify complex data for stakeholders.
• Ability to thrive in a fast‑paced environment and flex to meet tight deadlines when necessary.

Benefits:

• Comprehensive medical, dental, and vision coverage
• Contributions to a Health Savings Account (HSA)
• Access to an Employee Assistance Program (EAP)
• 401(k) program with Safe Harbor Match
• Accrued time off, company holidays, sick time, and 3 floating holidays
• 12-week Paid Parental Leave
• Market-driven salary and bonus opportunities
• Robust tech package