FP&A Analyst

Since 2018, Wisetack has been building transparent and intuitive consumer lending products that help service-based businesses thrive (think HVAC companies, veterinarians, or auto repair shops). 

Our leadership team comes from top fintech companies such as Lending Club, Affirm, and Varo Money. And we’re backed by leading VCs, including Insight Partners, Greylock, and Bain Capital Ventures (investors in Airbnb, LinkedIn, Instagram, Dropbox, and more).

Having raised $84M, we’re a well-funded startup and have invested in people and technology while growing our partnerships — responsibly. 

We’re also proud to have received recognition from the fintech world. Awards we’ve won include: 

• 2023 Best Consumer Lending Program by Tearsheet
• 2023 Best Point of Sale Product by Fintech Breakthrough
• 2022 Best Consumer Lending Solution by Finovate
• 2022 Best Emerging Lending Platform by Lendit (now Fintech Nexus)

But what you’ll find us gleaming about the most is the recognition from our own customers, particularly our sky-high NPS rating of 79. (For reference, the average score is 44 for financial services and 36 for SaaS companies.)

As a result of our efforts in building this healthy company culture, we’ve been nominated to several Great Places to Work lists, such as Best Small Workplaces, Best Workplaces in the Bay Area, and Best Workplaces in Financial Services & Insurance.

Like any startup, we’re in it for the long haul, and we’re looking for people willing to join our journey of building something special together. 

This process starts with our company values, which guide us in everything we do — and have played a critical role in our success. We valiantly abide by them, and would expect you to do the same:

• Put customers first (that’s our M.O.)
• Act fast (leverage our startup environment).
• Lead the way (show and tell).
• Take ownership (everyone is hands-on here).
• Be a good human (no egos, build financial products that do right by people).

Learn more about our values here. 

The Role

The finance team at Wisetack plays an essential role in providing top management with the visibility it needs to make decisions and understand the company’s performance. We strive to collaborate with operators to influence the company’s strategy and operations, not just “keep score.” As a fast-growing startup, you’ll enter a dynamic finance environment that’s always got something new happening, unique challenges to think through, and professional growth opportunities.

The Financial Planning and Analysis (FP&A) sub-function handles all facets of our strategic planning, forecasting, and budgeting processes. You’ll partner heavily with and build close relationships with our growth and operations teams. 

The FP&A Analyst will work closely with our Finance Manager to conduct analysis on the company’s growth drivers, develop and maintain our financial models, and produce financial reports with commentary. 

Responsibilities

• Build, refine, and prepare monthly financial performance reports, including monthly variance analysis with commentary. 
• Partner with our growth team to define and monitor KPI’s for the company’s revenue drivers.
• Build and own financial models for direct merchant acquisition.
• Create and own detailed budgets for multiple departments and report on budget adherence.
• Enhance our modeling around our operations, including engineering and servicing. 
• Participate in our annual planning and quarterly re-forecasting processes.
• Analyze financial data sets, trends, and KPI’s to identify opportunities for cost reduction and revenue growth. 
• Own the financial modeling for many corners of our business - especially loan portfolio analytics and growth. 
• Support the business by handling a variety of ad hoc requests

Requirements

• 2+ years of experience in strategic finance, FP&A, or a closely related function. 
• Bachelor’s degree in finance, business, or a related field 
• Experience with complex financial models, forecasting techniques, and data analysis
• Advanced Excel skills and ability to work with large data sets. 
• Exceptional problem solving skills, and hands-on experience building financial models from the ground up strongly preferred.
• Strong partnership skills and an ability to work cross-functionally required. 
• Self-directed and self-motived with an ability to work independently and handle ambiguity is essential.
• “Customer service” mindset and an avid team player who delights in helping others.

Bonus points

• Familiarity with loan portfolio modeling and structured finance arrangements. 
• Experience in venture-backed or similar high-growth environments preferred.
• SQL coding very strongly preferred and other programming abilities (Python, VBA) helpful
• Experience with data visualization tools (i.e. Tableau) a plus

Interview Process

• Application Review
• Recruiter Screen
• Hiring Manager Screen
• Virtual Onsite:
• Interview I 
• Interview II  
• Interview III 
• Final Technical Interview
• References
• Offer

The range of base salary for the position is between $70,800 - $100,000 plus equity, and benefits. Please note that the base salary range is a guideline, and individual total compensation will vary based on factors such as qualifications, skill level and competencies.

Spend a little time on our About Us page and check out our Press page and our blog for more. If you think this might be a fit, we’d love to hear from you!