Corporate FP&A Manager

Upgrade, Inc.; San Francisco (CA); Hybrid; USD 120,000 - 140,000; Full time

Benefits offered by this job

Medical, dental and vision insurance

Flexible PTO

Professional growth opportunities

Paid parental leave

Health & wellness initiatives

Job summary

Upgrade, Inc. is seeking a Corporate FP&A Manager in San Francisco to lead budgeting, forecasting, and long-range planning. You will develop advanced financial models to support strategic initiatives and work with business leads to drive growth.

You will present insights to senior management, partner with marketing, operations, product and engineering, and implement FP&A automation including Pigment budgeting. A strong fintech/financial services background is highly valued.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field; MBA/CPA/CFA preferred.
• 5+ years in FP&A roles, preferably fintech/financial services.
• Expert in financial modeling, budgeting, forecasting, and variance analysis.
• Proficiency in Excel; experience with Aleph; AI in forecasting/reporting helpful; Netsuite preferred.
• Experience with SQL and BI tools (Tableau) preferred.

Responsibilities

• Lead and manage annual budgeting, quarterly forecasting, and long-range planning.
• Build and maintain P&L, balance sheet, and cash flow models for scenario planning.
• Coordinate FP&A processes, forecasting calendar, and variance commentary.
• Analyze actual vs budget variances, identifying drivers, risks, and opportunities.
• Partner with department heads to align financial needs with company goals.
• Prepare and present finance reports to senior management and stakeholders.
• Drive process improvements and automation within FP&A; implement Pigment budgeting.
• Support senior leadership with actionable insights and strategic guidance.

Skills

Financial modeling

Budgeting & forecasting

Variance analysis

Excel

AI in forecasting

Cross-functional collaboration

Communication

Education

Bachelor's degree in Finance/Accounting/Economics

MBA or CPA/CFA preferred

Tools

Aleph

Netsuite

Pigment budgeting tool

Tableau

SQL

Job description

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we've helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We're backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We're consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World's Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America's Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We're looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role:

We are looking for a Corporate FP&A Manager to join our FP&A team. This position reports into the Head of FP&A, and is based in our San Francisco office in a hybrid capacity (specifically on Tuesdays, Wednesdays, and Thursdays).

What You'll Do:

• Lead and manage the company's comprehensive financial planning cycles, including annual budgeting, quarterly forecasting, and long-range strategic planning.
• Develop and maintain sophisticated financial models (P&L, Balance Sheet, Cash Flow) to support scenario planning, strategic initiatives, and growth opportunities.
• Lead and orchestrate the F P&A process, coordinating the forecasting calendar, consolidating diverse financial inputs, and collaborating closely with business unit finance leads to develop insightful variance commentary, and with accounting to understand historical performance.
• Conduct in-depth financial analysis of actual versus budget/forecast variances, identifying key drivers, risks, and opportunities, and presenting actionable insights to management.
• 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.
• Prepare and present clear, concise, and impactful financial reports and presentations for senior management, the executive team, and other stakeholders.
• Identify and implement process improvements and automation opportunities within FP&A to enhance efficiency, accuracy, and scalability.
• Manage the implementation of Pigment for automating and budgeting.

What We Look For:

• 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.

What We Offer You:

• Competitive salary and stock option plan
• Medical, dental and vision insurance
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $120,000 - $140,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

Environmental & Working Conditions

Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations.

Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.

The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need.

Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position.

Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings.

Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information.

Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement.