Finance Manager, Bank Finance

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

📋 Description

• Take ownership of and enhance Upstart Bank’s comprehensive financial model encompassing the income statement, balance sheet, cash flow, capital, liquidity, and regulatory forecasting.

• Create long-term forecasts, scenario analyses, and planning assumptions to support strategic planning and ensure regulatory compliance.

• Assess new products, funding strategies, and balance sheet initiatives through financial modeling and scenario analysis.

• Enhance model governance, automation, and the precision of forecasts.

• Provide support for Bank Board, ALCO, and executive-level reporting.

• Track financial and operational performance via regular reporting and variance analysis.

• Identify key business drivers, emerging risks, and opportunities, offering actionable insights to leadership.

• Develop dashboards and reports that reflect bank performance, balance sheet trends, capital, and liquidity.

• Collaborate with Treasury, Risk, Accounting, Product, Capital Markets, and Corporate FP&A.

• Facilitate strategic initiatives, regulatory requests, capital planning, balance sheet forecasting, and financial stress-testing activities.

• Analyze the financial implications of business growth, funding strategies, balance sheet choices, and shifting economic conditions.

⛳️ Requirements

• A Bachelor’s degree in Finance, Economics, Accounting, Business, or a related discipline, or equivalent professional experience.

• At least 7 years of pertinent experience in Financial Services, Corporate Finance, Treasury Finance, Capital Planning, Asset Liability Management, Strategic Finance, or FP&A.

• Experience in a banking environment, fintech, consumer lending, or other regulated financial institutions.

• A solid understanding of bank financial statements, balance sheet management, capital planning, and financial forecasting.

• Advanced skills in Excel or Google Sheets, including the creation of complex financial models.

• Strong analytical and problem-solving capabilities.

• Excellent written and verbal communication skills, including the ability to present complex financial data to senior stakeholders.

• Capability to manage multiple priorities under tight deadlines.

• High attention to detail, ownership, and execution discipline.

• Preferred: experience in supporting ALCO, Board reporting, Treasury Finance, capital planning, or bank financial forecasting.

• Preferred: expertise in integrated bank financial modeling, stress testing, and capital adequacy evaluations.

• Preferred: knowledge of regulatory capital frameworks and metrics, including CET1, Tier 1 Capital, Total Capital, leverage ratio, risk-weighted assets, and CBLR.

• Preferred: understanding of asset liability management, interest rate risk, liquidity management, deposit modeling, and funding strategies.

• Preferred: experience in preparing materials for a bank Board, Board committee, ALCO, or other governance forums.

• Preferred: familiarity with Adaptive Planning, NetSuite, or similar systems.

• Preferred: proficiency with Looker, Tableau, or Mode.

• Preferred: knowledge of SQL or other advanced analytical tools.

• Preferred: previous experience in digital banking, consumer lending, marketplace lending, or a de novo banking environment.

🏝️ Benefits

• Competitive compensation package that includes base salary, bonus opportunities, and annual equity grants that vest quarterly.

• 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.

• Employee Stock Purchase Plan (ESPP) offering discounted stock purchase options for eligible US employees.

• Comprehensive medical, dental, vision, and wellness resources available for US employees.

• Supplemental health coverage for employees in Canada.

• Health Savings Account contributions for eligible US plans.

• Life insurance and disability coverage provided.

• Paid time off, sick leave, and company holidays included.

• Paid family and parental leave available.

• Benefits supporting fertility, parenthood, and caregiving.

• Employee Assistance Program providing mental health support and life-centered resources.

• Financial planning tools and concierge services available for US employees.

• Annual wellness allowance provided.

• Annual productivity allowance for relevant tools and resources.

• Opportunities for team events, all-company updates, and participation in employee resource groups.

• Catered lunches and fully stocked micro-kitchens available when working from the office.