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Pennylane is a high-growth French fintech (€400M raised, backed by Sequoia) that provides financial management and accounting software for European SMEs and accounting firms. The company is rapidly expanding its Financial Services/Banking division and seeks an FP&A Analyst dedicated to this strategic business unit.
In this role, you will be the financial reference point for the Financial Services division. You will transform business ambitions into a robust, actionable financial trajectory by combining financial modeling, performance analysis, and business partnering. You will work at the intersection of Finance, Financial Services, Strategy, Risk, and Compliance teams in a high-growth, regulated environment.
Key Responsibilities:
**Performance Management:** Build, maintain, and challenge the Financial Services financial model. Track monthly performance (actuals, forecast, budget), analyze variances, identify key drivers, and deliver clear performance insights to operational and finance teams.
**Revenue, Cost & Margin Mastery:** Model revenue components (customer acquisition, account volume, product mix, pricing). Reconstruct and manage cost structure as the division internalizes and scales. Analyze direct, indirect, shared, regulatory, recurring, and exceptional costs. Track margin indicators and build profitability analyses by product, partner, or segment.
**Growth & Strategic Support:** Evaluate financial feasibility of growth objectives and required resources. Build scenarios and sensitivity analyses on key business plan levers and risks. Prepare Financial Services contributions to budget and reforecast cycles. Challenge team assumptions and contribute to investment arbitrage decisions.
**Regulated Activity Governance:** Integrate partner costs, regulatory constraints, and operational risks into models. Collaborate with Risk and Compliance teams to translate regulatory requirements into financial impacts. Evolve indicators, reporting, and processes as the division matures. Automate and strengthen analyses using FP&A tools and data teams.
Expected Impact: Secure an ambitious business plan through robust, regularly-challenged assumptions; improve visibility on revenue, costs, margins, and key risks; provide reliable, actionable financial information to teams and leadership; structure FP&A practices specific to banking; ensure lean communication with Financial Services teams.
**Requirements:**
- Minimum 5 years of solid experience in FP&A, Transaction Services, audit, financial consulting, management accounting, or strategic finance
- Strong financial modeling skills; mastery of Budget/Forecast cycles and variance analysis
- Ability to transform complex data into simple, structured, decision-oriented conclusions
- High rigor combined with strong business acumen
- Comfortable working with diverse stakeholders and providing constructive challenge
- Excellent Excel or Google Sheets skills; EPM experience (e.g., Pigment) is a plus
- Clear communication in writing and verbally, fluent in French and English
- Experience in banking, fintech, payments, or regulated environments is a plus but not required if you demonstrate strong learning capacity
