Business Analyst – Strategic Finance

This is a fully remote position, open to applicants in Virginia.

📋 Description

• Assist in quarterly Outlook forecasts and the annual budgeting and planning processes across originations, portfolio performance, and profitability.

• Develop and sustain components of the corporate forecasting model, including analyses of portfolio performance related to payment behavior, delinquency roll rates, and charge-offs.

• Create scenario and sensitivity analyses to support strategic decisions and liquidity stress testing.

• Evaluate budget and outlook variances, providing insights on drivers to senior leadership.

• Aid in the management of asset-backed debt facilities, encompassing covenant compliance monitoring, borrowing base reporting, and draw/repayment analyses.

• Prepare communications for investors and lenders, conduct portfolio analyses, and develop materials for investor meetings.

• Formulate credit performance forecasts to inform funding strategies and capital planning.

• Investigate trends in capital markets, funding innovations, and peer strategies.

• Construct analyses of merchant- and product-level unit economics and net cash flow for pricing, growth, and capital allocation decisions.

• Utilize SQL and extensive operational datasets to create data models, Tableau/Snowsight dashboards, and self-service reporting.

• Contribute to monthly financial review materials and perform ad-hoc analyses for executives.

• Track competitor and market performance, synthesizing business implications.

• Collaborate with Risk, Accounting, Sales, and Operations teams on forecasts, metrics, and reporting logic.

• Enhance processes, automate workflows, and leverage modern tools, including AI, to improve analysis speed and accuracy.

• Report directly to the Director of FP&A and work alongside the VP of FP&A and the VP of Capital Markets.

⛳️ Requirements

• Bachelor’s degree in Finance, Economics, Business, Engineering, or a quantitative discipline.

• 2 - 5 years of experience in data/business analytics, FP&A, strategic finance, capital markets, investment banking, or financial services analytics.

• Proficiency in writing SQL for data analysis, metric reporting/tracking, and dataset creation.

• Experience handling large, complex datasets to address ambiguous, open-ended challenges.

• Advanced skills in Microsoft Excel, including complex formulas, pivot tables, and data analysis techniques.

• A strong curiosity about the underlying reasons behind the numbers, with an ability to independently identify root causes and derive actionable insights.

• Capability to support multiple senior stakeholders and prioritize tasks across competing workstreams.

• Excellent written and verbal communication skills, with the ability to distill complex analyses into clear takeaways.

• Comfort in a fast-paced, dynamic environment with ambiguous problems and shifting priorities.

• Preferred: Experience in consumer finance, especially in subprime or non-prime lending.

• Preferred: Foundational knowledge of asset-backed lending, securitization, and debt capital markets.

• Preferred: Python experience for financial analysis and forecasting.

• Preferred: Familiarity with BI tools such as Tableau for dashboard creation and KPI tracking.

• Preferred: Experience utilizing AI tools to expedite analysis and reporting.

🏝️ Benefits

• Comprehensive medical, dental, and vision coverage.

• 20 PTO days plus 11 paid holidays.

• 401(k) retirement plan with company matching.

• Student Loan & Tuition Reimbursement.

• Commuter assistance.

• Parental leave (for both maternal and paternal caregivers).

• Inclusion and Associate Engagement Programs.

• Eligibility for company bonus plan.