Director of FP&A

About Us

We are a fast-growing asset-based finance platform built on modern fintech infrastructure. Having recently closed our Series A, we are scaling our operations, expanding our product suite, and deepening relationships with institutional capital partners.

Position Overview

You will lead the planning, forecasting, and analytical efforts that drive financial and strategic decision-making across the organization. You'll work closely with the executive team and department heads to deliver insights, build scalable processes, and ensure alignment between financial outcomes and business objectives.

Key Responsibilities

• Strategic Financial Leadership
  Partner with the Executive team to develop long-term financial models and strategic plans, including portfolio performance projections, funding/liability modeling, and scenario analysis.

• Annual Budgeting and Rolling Forecasting
  Lead annual budgeting and rolling forecasting processes across the company.

• Financial Reporting
  Translate company goals into financial targets and operational KPIs across origination, portfolio quality, funding costs, and unit economics. Provide monthly and quarterly reporting on financial performance, including variance analyses and actionable recommendations.

• Analyzing Profitability and Metrics
  Analyze profitability, customer acquisition costs, unit economics, and asset-based finance metrics (LTV/CAC, take rate, yield dynamics, loss rates, and cohort performance).

• Portfolio & Warehouse Modeling
  Build and own a lever-based IRR model for the loan portfolio, incorporating gross yield, cost of funds, credit losses, servicing costs, prepayments, and net spread. Model warehouse facility utilization and economics, including advance rates, draw/repayment timing, facility costs, and the impact of utilization on portfolio-level IRR. Run sensitivity and scenario analysis across key levers (loss rates, prepayment speeds, funding costs, origination volume) to guide pricing, underwriting, and capital deployment decisions. Develop waterfall models and portfolio seasoning curves to support facility compliance and investor reporting. Own the financial model; ensure it is dynamic, scalable, and incorporates key drivers of the business, including portfolio growth and credit performance. Drive scenario planning and sensitivity analysis to assess potential risks and opportunities.

• Reporting & Investor Support
  Prepare board decks, investor updates, lender reporting packages, and executive presentations. Support future fundraising processes including Series B, credit facilities, and securitizations. Monitor and analyze SEC filings (10-K, 10-Q, 8-K, S-1) of public peers and competitors to benchmark financial performance, identify industry trends, and inform strategic planning. Maintain alignment with GAAP/IFRS reporting in coordination with the accounting team. Foster a culture of data-driven decision-making and financial discipline.

• Infrastructure & Team Building
  Partner with data and engineering teams to build scalable reporting infrastructure and BI tooling. Hire and develop a high-performing FP&A function as the company scales. Establish best-in-class financial processes, tools, and controls.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, or a related field; MBA or CFA a plus.

• 8–12 years of experience in structured finance, specialty finance, credit investing, or asset-based lending — candidates from traditional corporate FP&A or SaaS finance backgrounds are unlikely to be a fit.

• Hands-on experience building lever-based IRR models for loan portfolios, including gross yield, cost of funds, loss assumptions, servicing costs, and net spread — this is a core day-one requirement.

• Deep familiarity with warehouse facility economics: advance rates, utilization, spread, eligibility criteria, and how facility usage impacts portfolio-level returns.

• Strong Excel and financial modeling skills; experience with BI tools.

• Familiarity with key credit and fintech metrics: net yield, loss-adjusted return, LTV/CAC, take rate, payment volumes, and cohort-level performance.

• Experience supporting capital raises, debt financing (warehouse facilities, securitizations, or fund structures) — direct experience negotiating or modeling facility terms is a strong plus.

• Proven ability to operate independently in a fast-paced, ambiguous startup environment.

• Strong communicator — able to translate complex structured finance concepts into board- and investor-ready narratives.

Why Join Us

• Competitive salary + equity at a well-capitalized Series A company.

• Direct line to the CEO and leadership team.

• Opportunity to build and own a function from the ground up.

• Work at the cutting edge of fintech and alternative finance.

We are an equal opportunity employer and value diversity at our company.