[Hiring] Principal Financial Analyst @Mission Lane

Role Description

We're looking for a Principal Financial Analyst, FP&A to lead day-to-day financial modeling and portfolio analysis for our FP&A team, reporting to the Senior Director, FP&A.

The impact you'll make:

• Build forecasts and provide analysis showing business performance to credit, growth, and strategy leaders.
• Improve portfolio forecasting methods and work on monthly allowance for credit losses estimate.
• Learn financial model and build relationships across credit, growth, accounting, and capital markets.
• Contribute to quarterly forecast and monthly reserve calculation within the first six months.
• Manage quarterly forecast process and run model for baseline and stress scenarios by the first year.

As Principal Financial Analyst, FP&A you will:

• Build annual operating budgets with business leaders and run quarterly rolling forecasts that meet internal audit standards.
• Create and maintain driver-based financial models in Workday Adaptive and Excel, developing new techniques to improve forecast accuracy and automate repetitive work.
• Run deep-dive variance analyses on portfolio data to find root causes and recommend ways to improve profitability.
• Work with credit, growth, and strategy leaders to show financial impact of their decisions using ROI, NPV, and payback analysis.
• Run monthly allowance for credit losses calculation, estimating expected portfolio losses.
• Turn financial results into clear narratives and presentations for the CFO, executive leaders, and the board, supporting monthly financial review packages.

You'll thrive in this role if:

• You roll up your sleeves and like building analyses and reports from the ground up.
• You're curious about what portfolio data says about performance and profitability.
• You balance big-picture priorities with hands-on execution.

Qualifications

• Bachelor's degree in Finance, Economics, Computer Science, Information Systems, or a related quantitative field.
• 3+ years of experience in FP&A, strategic analytics, business analytics, or investment banking.
• Prior experience in the credit card or financial services industry.
• Familiarity with and experience modeling GAAP financial statements.
• Ability to use data as an investigative tool to drive efficiencies and analyze performance variance.
• Project management skills to plan, coordinate, and run complex financial projects across multiple priorities.
• Communication and interpersonal skills, with a record of building relationships with both technical and non-technical teams.
• Ability to travel 2-3 times per year for high quality in-person collaboration.

Preferred qualifications

• Experience with EPM tools such as Workday Adaptive, OneStream, Oracle, or SAP.
• Proficiency in Excel, SQL, or Python, with a mindset for automation and continuous improvement.
• Working knowledge of how credit loss reserves are estimated.

Compensation

• Annual full-time starting base salary range: $118,000-$135,000.
• This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs.
• Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role.
• Comprehensive benefits plan includes:
• Paid time off
• 401(k) match
• Monthly wellness stipend
• Health/dental/vision insurance options
• Disability coverage
• Paid parental leave
• Flexible spending account (for childcare and healthcare)
• Life insurance
• Remote-first work environment