Financial Data Analyst

Overview

A financial services organization is seeking a Financial Data Analyst to join their Finance team. This role combines financial planning & analysis with capital markets responsibilities. The analyst will own key forecasting and planning processes, develop portfolio- and merchant-level analytics to guide strategic decisions, and support funding strategy execution and lender relationships. Reporting to the Director of FP&A and collaborating closely with senior finance leadership, this position offers a broad scope including forecasting, statistical modeling, unit economics, and asset-backed financing.

Responsibilities

Business & Portfolio Analytics:

• Develop merchant- and product-level unit economics and net cash flow analyses to inform pricing, growth, and capital allocation decisions
• Utilize SQL and large operational datasets to build data models, dashboards (e.g., Tableau, Snowsight), and self-serve reporting tools
• Support monthly financial review materials and conduct ad-hoc analyses for executive inquiries
• Monitor competitor and market performance and synthesize insights relevant to the business

Forecasting & Financial Planning:

• Assist with quarterly Outlook forecasts and the annual budget and plan, covering originations, portfolio performance, and profitability
• Build and maintain components of the corporate forecasting model, including portfolio performance metrics such as payment behavior, delinquency roll rates, and charge-offs
• Create scenario and sensitivity analyses to support strategic decisions and stress-test liquidity
• Analyze variances against budget and outlook, providing clear narratives for senior leadership

Capital Markets:

• Support management of asset-backed debt facilities, including covenant compliance monitoring, borrowing base reporting, and analyses for draws and repayments
• Prepare investor and lender communications, portfolio analyses, and materials for investor meetings
• Develop credit performance forecasts (e.g., delinquency, prepayment behavior) to inform funding strategy and capital planning
• Research capital markets trends, funding innovations, and peer strategies

Cross-Functional Collaboration:

• Partner with Risk, Accounting, Sales, and Operations teams to align forecasts, metrics, and reporting logic
• Improve internal processes, automate workflows, and leverage modern tools (including AI) to enhance analysis speed and accuracy

Requirements

• Bachelor's degree in Finance, Economics, Business, Engineering, or a quantitative field
• 2 to 5 years of experience in FP&A, strategic finance, data/business analytics, investment banking, capital markets, or financial services analytics
• Strong financial modeling and forecasting skills with advanced Excel proficiency
• Proficiency in SQL and experience working with large, complex datasets
• Ability to support multiple senior stakeholders and prioritize competing workstreams
• Analytical mindset with meticulous attention to detail and focus on data integrity
• Excellent written and verbal communication skills, capable of distilling complex analysis into concise takeaways
• Comfortable working in a fast-paced, dynamic environment with ambiguous problems and evolving priorities

Preferred Qualifications

• Experience in consumer finance, particularly subprime or non-prime lending
• Foundational knowledge of asset-backed lending, securitization, and debt capital markets
• Python experience for financial analysis and forecasting
• Experience using BI tools (e.g., Tableau) to build dashboards and track KPIs
• Experience applying AI tools to accelerate analysis and reporting

Compensation & Benefits

• Salary range: $103,000 to $131,000 per year, depending on experience and location
• Eligibility to participate in company bonus plan
• Comprehensive medical, dental, and vision coverage
• 20 PTO days plus 11 paid holidays
• 401(k) retirement plan with company matching
• Student loan and tuition reimbursement
• Commuter assistance
• Parental leave (maternal and paternal)
• Inclusion and associate engagement programs

Location

Richmond, VA; Arlington, VA; or Remote (U.S.). Associates near one of the office locations may work in-office, hybrid, or remotely. Remote opportunities are available throughout the United States.

Application

Applications will be accepted until the position is filled.