Financial Data Analyst

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

📋 Description

• Develop unit economics at both merchant and product levels, along with net cash flow assessments for pricing, growth, and capital allocation decisions.

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

• Assist in preparing monthly financial review documents and perform ad-hoc analyses for executives.

• Track competitor activities and market performance, synthesizing the implications for the business.

• Aid in the development of quarterly Outlook forecasts and contribute to the annual budget and planning processes.

• Maintain components of the corporate forecasting model that address payment behaviors, delinquency rates, and charge-off metrics.

• Conduct scenario and sensitivity analyses and stress-test liquidity positions.

• Analyze variances in budgets and outlooks while communicating the underlying factors to senior leadership.

• Assist in managing asset-backed debt facilities, ensuring compliance with covenants, and handling borrowing base reporting, draws, and repayments.

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

• Create credit performance forecasts to guide funding strategies and capital planning initiatives.

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

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

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

⛳️ Requirements

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

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

• Strong capabilities in financial modeling and forecasting.

• Advanced proficiency in Excel.

• Proficient in SQL with experience managing large, complex datasets.

• Ability to support multiple senior stakeholders while prioritizing competing workstreams.

• Exceptional attention to detail and commitment to data integrity.

• Strong written and verbal communication skills.

• Capacity to thrive in a fast-paced environment with ambiguous challenges and shifting priorities.

• Preferred: experience in consumer finance, particularly in subprime or non-prime lending.

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

• Preferred: experience with Python for financial analysis and forecasting.

• Preferred: familiarity with BI tools such as Tableau for building dashboards and tracking KPIs.

• Preferred: experience in utilizing AI tools to enhance analysis and reporting efficiency.

🏝️ Benefits

• Eligibility for the company bonus plan.

• Comprehensive medical, dental, and vision insurance coverage.

• 20 days of paid time off (PTO) plus 11 paid holidays.

• 401(k) retirement plan with company matching contributions.

• Student loan and tuition reimbursement programs.

• Commuter assistance benefits.

• Parental leave for both maternal and paternal responsibilities.

• Programs for inclusion and associate engagement.