Role Objectives:
The Senior Financial Analyst will be responsible for conducting financial analysis, developing financial models, preparing forecasts and budgets, analyzing variances, and generating financial reports. The role may also include providing strategic insights, supporting decision-making processes, and collaborating with various teams to drive business performance.
Roles & Responsibilities:
1. Financial Modeling & Product Analytics
- Build robust, driver-based Excel models for business, covering customer acquisition funnel, reload behavior, interchange revenue, fee schedules, breakage, and churn.
- Conduct scenario/sensitivity analysis to assess the financial impact of pricing changes, new card features, marketing offers, and entry into new markets
2. Budgeting, Forecasting & Long-term Planning
- Develop rolling forecasts and annual budgets (P&L, cash flow, balance sheet) for prepaid programs.
- Lead the quarterly reforecast process, incorporating updated assumptions on volumes, loads, spend, costs, and macroeconomic factors.
- Build out strategic 35 year plans to underpin product roadmaps and investor updates.
3. Variance Analysis & Insight Generation
- Analyze performance variances (actual vs. budget/plan) to identify volume, pricing, fee, or expense drivers.
- Communicate clear insights and recommended corrective actions to leadership and cross-functional partners.
4. KPI Tracking & Dashboard Development
- Define and track key metrics: active card count, average balance, load frequency, revenues, transaction volume, customer acquisition cost (CAC), and operating expenses.
- Build and maintain interactive dashboards or BI visuals using Power BI, Tableau, or similar tools to inform stakeholders in real time.
5. Pricing & Product Mix Analysis
- Collaborate with Product and Marketing to model and evaluate the financial impact of pricing updates, promotional campaigns, loyalty programs, and volume incentives.
- Regularly benchmark against competitors and industry trends to guide optimal pricing strategy.
6. Cross-functional Business Partnering
- Engage daily with Product, Risk, Operations, Marketing, and Technology to align on assumptions, validate model inputs, and explain financial trade-offs .
- Act as a key advisor on business cases for new initiatives, such as launching virtual cards or expanding into new regions.
7. AdHoc Financial Analysis & Strategic Projects
- Support senior management with special projects: e.g., regulatory change scenarios, new program launches, M&A diligence, or system migrations.
- Prepare targeted analyses for investor updates or board-level reviews.
8. Financial Reports & Executive Presentations
- Own monthend FP&A deliverables: consolidated reports, gap commentary, cash forecasting, and slides for Executive Committee and board presentations.
- Ensure financial reporting is accurate, timely, transparent, and tailored for senior leadership.
9. Process Automation & Continuous Improvement
- Identify repetitive tasks and build efficiencies through macro/VBA, BI tool enhancements, or ETL automation in collaboration with Data or IT teams.
- Standardize processes and documentation to support scalability and audit readiness.
10. Mentorship & Team Development
- Coach junior analysts review their financial models, deliverable quality, and analytical thinking.
- Promote a culture of rigor, curiosity, and professional growth within the Finance team.
Required Education, Knowledge, And Skills:
- Bachelor's degree in Finance, Accounting, Economics or related field
- Minimum of 5 years experience in FP&A, financial analysis or corporate finance, ideally within fintech, payments or banking
- Advanced financial modeling prowess, with deep Excel skills (pivot tables, macros, VBA)
- Experience with BI and reporting tools (e.g. Tableau, Power BI) and database querying (SQL)
- Strong analytical mindset with the ability to draw clear conclusions from complex data sets
- Excellent written and verbal communication; able to present insights to senior leadership
- High attention to detail, strong organizational skills and ability to manage multiple deadlines
