1. Financial Modeling & Product Analytics
- Build robust, driver-based Excel models for business, covering customer acquisition funnel, reload behavior, interchange revenue, fee schedules, breakage, and churn.
- Conduct scenario/sensitivity analysis to assess the financial impact of pricing changes, new card features, marketing offers, and entry into new markets
- Develop rolling forecasts and annual budgets (P&L, cash flow, balance sheet) for prepaid programs.
- Lead the quarterly reforecast process, incorporating updated assumptions on volumes, loads, spend, costs, and macroeconomic factors.
- Build out strategic 3–5 year plans to underpin product roadmaps and investor updates.
- Analyze performance variances (actual vs. budget/plan) to identify volume, pricing, fee, or expense drivers.
- Communicate clear insights and recommended corrective actions to leadership and cross-functional partners.
- Define and track key metrics: active card count, average balance, load frequency, revenues, transaction volume, customer acquisition cost (CAC), and operating expenses.
- Build and maintain interactive dashboards or BI visuals using Power BI, Tableau, or similar tools to inform stakeholders in real time.
- Collaborate with Product and Marketing to model and evaluate the financial impact of pricing updates, promotional campaigns, loyalty programs, and volume incentives.
- Regularly benchmark against competitors and industry trends to guide optimal pricing strategy.
- Engage daily with Product, Risk, Operations, Marketing, and Technology to align on assumptions, validate model inputs, and explain financial trade-offs .
- Act as a key advisor on business cases for new initiatives, such as launching virtual cards or expanding into new regions.
- Support senior management with special projects: e.g., regulatory change scenarios, new program launches, M&A diligence, or system migrations.
- Prepare targeted analyses for investor updates or board-level reviews.
- Own month‑end FP&A deliverables: consolidated reports, gap commentary, cash forecasting, and slides for Executive Committee and board presentations.
- Ensure financial reporting is accurate, timely, transparent, and tailored for senior leadership.
- Identify repetitive tasks and build efficiencies through macro/VBA, BI tool enhancements, or ETL automation in collaboration with Data or IT teams.
- Standardize processes and documentation to support scalability and audit readiness.
- Coach junior analysts – review their financial models, deliverable quality, and analytical thinking.
- Promote a culture of rigor, curiosity, and professional growth within the Finance team.
- Bachelor’s degree in Finance, Accounting, Economics or related field
- Minimum of 5 years’ experience in FP&A, financial analysis or corporate finance, ideally within fintech, payments or banking
- Advanced financial modeling prowess, with deep Excel skills (pivot tables, macros, VBA)
- Experience with BI and reporting tools (e.g. Tableau, Power BI) and database querying (SQL)
- Strong analytical mindset with the ability to draw clear conclusions from complex data sets
- Excellent written and verbal communication; able to present insights to senior leadership
- High attention to detail, strong organizational skills and ability to manage multiple deadlines