Financial Analyst

Midland Credit Management; San Diego (CA); On-site; USD 78,800 - 102,400; Full time

Benefits offered by this job

Pay and Bonuses

Career Progression

Healthcare Insurance

Tuition Assistance

Work-Life Balance

Team-building Opportunities

Job summary

Midland Credit Management is seeking a Financial Analyst in San Diego, California. The role involves financial planning and analysis, budgeting, and reporting activities, requiring about 2-5 years of relevant experience.

We offer a competitive salary between $78,800 and $102,400, alongside excellent benefits including tuition assistance and healthcare options. Join our team and contribute to our mission of helping consumers restore their financial health while enjoying great workplace culture.

Qualifications

• 2 - 3 years of experience in financial analysis, budgeting, and forecasting.
• Preferred: 3 - 5 years experience in financial analysis, budgeting, and forecasting.
• English proficiency required.

Responsibilities

• Prepare consolidated financial management reports and forecasts.
• Develop annual budget for assigned subsidiaries.
• Analyze and interpret financial and operating data.

Skills

Financial analysis

Budgeting

Forecasting

Data interpretation

Education

Bachelor's degree in Finance, Accounting or Business Administration

Master/MBA

Job description

Applicants must have current authorization to work in the United States on a full-time basis.

The Financial Analyst responsibilities include financial planning and analysis, budgeting, forecasting and reporting activities. The position also requires the development of adhoc analysis and presentations to provide decision support for key business initiatives.

Responsibilities

Assist in preparing consolidated financial management reports and forecasts. Including maintaining financial planning system for management segments and generating segment and consolidated non GAAP financial schedules.

Develop annual budget for assigned subsidiaries which are then aggregated and submitted to senior management and the Board of Directors for review and approval; participates in budget reviews; prepares re‑forecasts as deemed necessary during the year.

Report, analyze and interpret financial and operating data for subsidiaries; such reporting, analysis and interpretation may include cost analysis, segment profitability, reporting, and any other ad‑hoc analysis of interest to senior management; identifies trends, opportunities and risks.

Prepare various monthly budget analyses and dashboards including key performance indicators and performance measurements against budget and/or forecasts.

Partner with business channel managers / analysts to support financial forecasting process.

Education

Required: Bachelor; Finance, Accounting or Business Administration or related field

Preferred: Master/Advanced; MBA

Language

Required: English

Experience

Required: 2 - 3 years or more experience in financial analysis, budgeting, and forecasting

Preferred: 3 - 5 or more years experience in financial analysis, budgeting, and forecasting

Starting Compensation

Annual Salary: $78,800.00 - $102,400.00 (Amount based on office location, relevant experience, skills, and competencies)

Why work for us

• Pay and Bonuses: Earn a competitive salary. All employees are eligible for monthly incentives or annual bonus.
• Career Progression: Grow at MCM with paid training and development programs - including our very own MCM Academy - as well as a promote-from-within philosophy.
• Reward and Recognition: We are committed to honoring great results - ranging from informal accolades to formal company-wide awards and prizes like all-inclusive vacations.
• Tuition Assistance: Pursue a degree or coursework related to your current role, or the role you are striving for.
• Healthcare Insurance: Take advantage of comprehensive healthcare plans and options to ensure your continued health, plus fitness membership reimbursements, weight watchers, our wellness rewards Program and more.
• Volunteering Opportunities: Enjoy up to eight hours of paid time off each year to volunteer. We also offer volunteer grants and matching financial donations, up to US$ 2,500 per employee annually.
• Retirement Savings: Build a strong financial foundation and reach your goals for the future. With all the effort you invest in us, we’re proud to invest in you.
• New Family Support: Celebrate your new arrival with company paid leave, new parent flex time, and child backup care options.
• Team-building: Enjoy experiences that inspire bonds with your colleagues through a wide range of company-sponsored team‑building events, such as holiday celebrations and department outings.
• Work‑Life Balance: Enjoy paid and floating holidays, as well as generous paid‑time‑off.

Our compensation and benefits programs were created with an 'Employee-First Approach' focused on supporting, developing, and recognizing YOU. We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within.

About Us

Headquartered in the United States, Encore Capital Group (Encore) is a publicly traded international specialty finance company operating in various countries around the globe. Through our businesses - such as Midland Credit Management and Cabot Credit Management - we help consumers to restore their financial health as we further our Mission of creating pathways to economic freedom. Our commitment to building a positive workplace culture and a best-in-class employee experience have earned us accolades including Great Place to Work certifications in many geographies where we operate. If you have a passion for helping others and thrive at a company that values innovation, inclusion and excellence, then Encore Capital Group is the right place for you.

Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and are committed to fostering an inclusive and welcoming environment where everyone feels they belong. We encourage candidates from all backgrounds to apply. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, disability status, or any other status protected under applicable law. If you wish to discuss potential accommodations related to applying for employment, please contact [e-mail].