Principal Financial Analyst, Financial Planning & Analysis

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:

As a Principal Financial Analyst for FP&A, you'll build forecasts and provide the analysis that shows credit, growth, and strategy leaders how the business is performing.

You'll improve the portfolio forecasting methods already in place and work on the monthly allowance for credit losses estimate, so the numbers leaders plan with and the numbers accounting records tell one consistent story about expected losses.

You'll spend your first few months learning how our financial model works and building relationships across credit, growth, accounting, and capital markets. By month six, you'll contribute to the quarterly forecast and the monthly reserve calculation. By your first year, you'll manage the quarterly forecast process and run the model for baseline and stress scenarios on your own.

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, and develop new techniques that 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 the financial impact of their decisions, using ROI, NPV, and payback analysis
• Run the monthly allowance for credit losses calculation, the estimate of expected portfolio losses
• Turn financial results into clear narratives and presentations for the CFO, executive leaders, and the board, and support the 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

Minimum 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. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/dental/vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-first work environment.