Principal Financial Analyst, Financial Planning & Analysis
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Job Description
Principal FP&A analyst building forecasts, financial models, and credit-loss estimates. Supporting Mission Lane’s fintech credit-card business with portfolio and profitability analysis.
Responsibilities:
- Lead day-to-day financial modeling and portfolio analysis for the FP&A team
- Build forecasts and provide analysis to credit, growth, and strategy leaders
- Improve portfolio forecasting methods
- Work on the monthly allowance for credit losses estimate
- Build annual operating budgets with business leaders
- Run quarterly rolling forecasts that meet internal audit standards
- Create and maintain driver-based financial models in Workday Adaptive and Excel
- Develop techniques to improve forecast accuracy and automate repetitive work
- Conduct deep-dive variance analyses on portfolio data
- Identify root causes and recommend ways to improve profitability
- Show the financial impact of business decisions using ROI, NPV, and payback analysis
- Run the monthly allowance for credit losses calculation
- Turn financial results into clear narratives and presentations for the CFO, executive leaders, and board
- Support monthly financial review packages
- Contribute to the quarterly forecast and monthly reserve calculation
- Manage the quarterly forecast process and run baseline and stress scenarios independently
Requirements:
- Bachelor's degree in Finance, Economics, Computer Science, Information Systems, or a related quantitative field
- 3+ years of experience in FP&A, strategic analytics, business analytics, or investment banking
- Prior experience in the credit card or financial services industry
- Familiarity with and experience modeling GAAP financial statements
- Ability to use data as an investigative tool to drive efficiencies and analyze performance variance
- Project management skills to plan, coordinate, and run complex financial projects across multiple priorities
- Communication and interpersonal skills, with a record of building relationships with both technical and non-technical teams
- Ability to travel 2-3 times per year for high quality in person collaboration
- Mission Lane is not sponsoring new applicant employment authorization
Benefits:
- Annual incentive program eligibility
- Equity program eligibility
- Paid time off
- 401(k) match
- Monthly wellness stipend
- Health insurance options
- Dental insurance options
- Vision insurance options
- Disability coverage
- Paid parental leave
- Flexible spending account for childcare and healthcare
- Life insurance
- Remote-first work environment
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