Senior FP&A Analyst

Lead is a banking infrastructure platform trusted by innovative companies to power complex financial products. We enable fintechs to offer compliant, programmable services like payments, lending, and digital assets at scale. With offices in San Francisco, Sunnyvale, New York City, and an FDIC-insured bank in Kansas City, Lead is one of the only API-first, developer-focused partner banks providing the financial, regulatory, and legal expertise fintechs need to succeed.

About the role

The Financial Planning & Analysis (FP&A) team ensures Lead's future by transforming financial and operational data into actionable business strategy. Working closely with all team heads, the FP&A team drives budgeting, forecasting, scenario modeling, performance reporting, and strategic advising. They provide executive leaders with insights into investments and growth initiatives, ensuring thoughtful resource allocation and goal execution. This role is ideal for analytical problem solvers who thrive on detail, enjoy seeing the bigger picture, and want to grow within a fast-paced fintech bank.

Responsibilities

• Develop and maintain financial models for strategic planning, budgeting, forecasting, and scenario planning
• Perform variance analysis to identify financial discrepancies and provide insights
• Ensure data accuracy and completeness through data cleansing and quality assurance procedures
• Build and prepare reports to communicate financial findings and recommendations
• Collaborate with cross-functional teams to gather data and support financial planning initiatives
• Build and improve cashflow planning processes and analytics
• Support the development of cost allocations and profitability analytics
• Clearly communicate financial data and analysis to stakeholders
• Document financial models and assumptions to ensure transparency and maintain institutional knowledge
• Demonstrate a mindset that balances operational excellence and continuous improvement
• Prepare ad hoc financial reporting and analysis as needed to support decision-making
• Perform all other duties as assigned

Requirements

• Bachelor’s degree in Finance, Accounting, or a related field
• 4-6 years of experience in FP&A, with Banking or Fintech experience preferred
• Experience building and maintaining financial models
• Skilled at analyzing financial data to identify trends, patterns, and key insights
• Proficient in Microsoft Excel, with additional skills in FP&A software like Vena and use of AI software preferred
• Intellectually curious with strong attention to detail, judgment, and analytical skills
• Ability to work independently and collaboratively in a fast-paced environment

Benefits

• Competitive compensation based on experience, geographic location, and role
• Medical, Dental, Vision, Life, and 401k Matching benefits
• Flexible vacation policy
• A challenging and fulfilling opportunity to join an experienced fintech team
• A fun team environment where your career is supported

Pay

Our compensation reflects the cost of labor across several US geographic markets. Pay is based on factors including geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.

• Zone 1 (NYC): $130,000 - $150,000