Director of Finance
Happy Money
full-time
Posted on:
Location Type: Remote
Location: Remote • 🇺🇸 United States
Visit company websiteSalary
💰 $170,000 - $200,000 per year
Job Level
Lead
Tech Stack
FluxPythonSQLTableau
About the role
- Own the P&L forecast cycles, and long-range planning.
- Build integrated, driver-based financial models across originations, pricing, and funding.
- Run scenario and sensitivity to assess pricing, credit, CAC, and capital impacts.
- Deliver probabilistic forecasts that quantify variance risk and communicate upside and downside cases with clear drivers.
- Own monthly reporting including KPI packs, variance analysis, cohort and vintage performance, contribution margins, and liquidity outlook.
- Establish accountability rhythms across Marketing, Sales, and Operations.
- Partner with Accounting on close, flux reviews, and forecast to actual reconciliations to ensure data integrity.
- Develop analyses for new products, pricing tests, policy changes, and investments.
- Partner with Product, Operations, and Risk to align models to inform business strategy.
- Partner with Capital Markets on funding, liquidity, and scenario modeling and planning.
- Own companywide expense planning and drive accountability to budgets and margin improvement.
- Partner with leaders on vendor selection, contracts, and spend optimization.
- Track savings and embed ROI-focused decision-making into approvals and forecasts.
- Enhance FP&A reporting and data infrastructure, using SQL or Python for large datasets, and partnering with BI team on reliable pipelines and metrics.
- Introduce forecasting and planning software where appropriate to drive automation.
- Lead Board package, ELT, and investor reporting with clear narratives and visuals.
- Support capital raises, M&A modeling and integration planning.
- Lead, develop and scale a lean FP&A team.
- Establish clear objectives, operating cadences, and quality standards for forecasting, modeling, and reporting to ensure consistency, accuracy, and actionable insight.
- Foster a culture of curiosity, precision, and partnership across Finance and the business.
Requirements
- 10 plus years in FP&A or Strategic Finance in fintech or adjacent financial services, with progressive scope owning P&Ls, leading forecasting cycles, and partnering with executives.
- Mastery of three statement financial modeling, ability to build models from first principles, and to pressure test assumptions with data.
- Deep understanding of lending unit economics, cohort analysis, loss curves, funding structures, contribution margins, and CAC dynamics.
- Comfortable working across complex datasets, highly competent in Excel or Google Sheets, and proficient with BI tools such as Tableau.
- Hands on with SQL or a scripting language such as Python or R, or willing to learn quickly, to unblock analyses and improve repeatability.
- Excellent communication and executive presentation skills. You can turn complexity into a concise narrative with recommendations and tradeoffs.
- Proven experience building and leading teams, including managers, and raising the bar on analytical rigor and business partnership.
Benefits
- Experience with NetSuite or equivalent accounting system.
- Experience with planning tools such as Adaptive, Anaplan, or Hyperion.
- Prior consumer marketplace lending or unsecured installment lending experience, including familiarity with forward flows, warehouses, securitization, and investor reporting.
- MBA or equivalent experience.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
financial modelingvariance analysissensitivity analysisKPI reportingdata integrityforecastingbudgetingROI analysisthree statement modelinglending unit economics
Soft skills
communicationleadershipteam developmentanalytical rigorpartnershipcuriosityprecisionnarrative buildingexecutive presentationaccountability