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Salary: USD 120,000 - 140,000 / annual
Upgrade is a fintech company that has helped over 7.5 million customers access over $42 billion in consumer credit since 2017. The company is valued at $7.3B and backed by prominent technology investors. You will join the FP&A team reporting to the Head of FP&A in a hybrid role based in San Francisco (Tuesdays, Wednesdays, Thursdays on-site).
In this role, you will lead and manage the company's comprehensive financial planning cycles, including annual budgeting, quarterly forecasting, and long-range strategic planning. You will develop and maintain sophisticated financial models (P&L, Balance Sheet, Cash Flow) to support scenario planning, strategic initiatives, and growth opportunities. You will lead and orchestrate the FP&A process, coordinating the forecasting calendar, consolidating diverse financial inputs, and collaborating closely with business unit finance leads to develop insightful variance commentary.
You will conduct in-depth financial analysis of actual versus budget/forecast variances, identifying key drivers, risks, and opportunities, and presenting actionable insights to management. You will partner with department heads across the organization (Marketing, Operations, G&A, Product & Engineering) to understand their financial needs, provide financial guidance, and ensure alignment with overall company goals. You will prepare and present clear, concise, and impactful financial reports and presentations for senior management, the executive team, and other stakeholders.
Additionally, you will identify and implement process improvements and automation opportunities within FP&A to enhance efficiency, accuracy, and scalability, and manage the implementation of Pigment for automating budgeting.
**Requirements:**
- Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA, CPA, CFA, or other relevant designation is preferred.
- 5+ years of progressive experience in Financial Planning & Analysis (FP&A) roles, preferably within a fast-paced fintech or financial services environment.
- Demonstrated expertise in financial modeling, budgeting, forecasting, and variance analysis.
- Proficiency in Excel, experience in a financial planning tool (ideally Aleph), and experience using AI in financial forecasting or reporting is required. Netsuite experience is preferred.
- Experience with SQL as well as business intelligence tools (e.g., Tableau) is preferred.
- Excellent analytical, problem-solving, and critical thinking skills, with the ability to distill complex financial data into clear, actionable insights.
- Superior communication and presentation skills, with the ability to effectively convey financial information to both finance and non-finance audiences.
- Proven ability to collaborate effectively with cross-functional teams and build strong working relationships in an FP&A capacity.
- Highly organized, detail-oriented, and able to manage multiple priorities and deadlines in a dynamic environment.
- Experience with consumer lending or credit products is a significant advantage.
