FP&A Analyst

Varo Bank; Charlotte (NC); On-site; USD 65,000 - 95,000; Full time

Job summary

Varo Bank is seeking a Finance Analyst in Charlotte, NC to steer forecasting, budgeting, and performance analysis. You will partner with Product, Technology, Lending, and Marketing to translate complex financial metrics into strategic insights for executives and regulators.

A strong emphasis on building sophisticated models and driving informed decisions is core to this role. You will collaborate with accounting and treasury on month-end processes and FP&A tooling, shaping the financial future

Qualifications

• 3+ years of progressive finance experience, preferably within banking, fintech, or corporate financial services.
• Strong foundation in financial theory, strategic forecasting, corporate budgeting, and GAAP accounting principles.
• Expert-level proficiency in Microsoft Excel or Google Sheets, with a proven track record of building sophisticated, dynamic financial models.
• Skilled in PowerPoint/Google Slides, with preferred hands-on experience using financial information systems like NetSuite or Anaplan.
• Exceptional written and verbal communication skills, with the ability to influence cross-functional stakeholders and independently manage time-sensitive projects.
• Bachelor’s degree in Finance, Accounting, Economics, or a related quantitative discipline.

Responsibilities

• Lead forecasting, planning, and budgeting cycles including P&L, balance sheet, and cash flow projections.
• Analyze unit economics and provide financial guidance for new product launches.
• Conduct monthly/quarterly variance analysis and translate into actionable insights.
• Automate KPI reporting and present concise narratives for senior leadership.
• Collaborate with Accounting and Treasury to streamline month-end close and optimize FP&A tools.

Skills

Financial forecasting

Excel/Sheets

PowerPoint/Slides

NetSuite/Anaplan

Communication

Bachelor’s degree in Finance/Accounts

Education

Bachelor’s degree in Finance, Accounting, Economics

Tools

NetSuite

Anaplan

Job description

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us.

About The Role

At Varo, we are on a mission to redefine banking for everyone. As a Finance Analyst, you won't just crunch numbers—you will be a strategic co-pilot helping to steer our growth, optimize our performance, and shape the financial future of a trailblazing neobank. You’ll sit at the intersection of data and strategy, turning complex financial metrics into actionable insights that drive high-stakes executive decisions.

This role is designed for a collaborative problem-solver who thrives in a fast-paced environment. You will partner deeply with teams across Product, Technology, Lending, and Marketing, serving as their trusted finance liaison. If you have a passion for building sophisticated financial models and a desire to see your work directly impact the bottom line of a mission-driven bank, you'll find a highly rewarding home here.

How You'll Make An Impact

• Lead Forecasting & Planning: Own the coordination, maintenance, and modeling of our annual budget, quarterly forecasts, and long-range plans, including complex P&L, Balance Sheet, and Cash Flow projections.
• Drive Business Strategy: Partner with key leaders across Banking, Tech, and Marketing to analyze unit economics, prioritize investments, and provide financial guidance for new product launches.
• Analyze Performance & Drivers: Conduct monthly and quarterly deep-dives into expense and revenue drivers, translating variance analysis into clear trends, risks, and profitability opportunities.
• Craft Executive Narratives: Automate KPI reporting and synthesize complex financial data into concise, compelling presentations for senior leadership, investors, and regulators.
• Optimize Financial Systems: Partner with Accounting and Treasury to streamline the month-end close and actively help evaluate, implement, and optimize our FP&A software tools.

The Skills And Experiences You'll Bring

• Industry Experience: 3+ years of progressive finance experience, preferably within banking, fintech, or corporate financial services.
• Core Finance Expertise: Strong foundation in financial theory, strategic forecasting, corporate budgeting, and GAAP accounting principles.
• Advanced Financial Modeling: Expert-level proficiency in Microsoft Excel or Google Sheets, with a proven track record of building sophisticated, dynamic financial models.
• Data & Tooling Familiarity: Skilled in PowerPoint/Google Slides, with preferred hands-on experience using financial information systems like NetSuite or Anaplan.
• Execution & Communication: Exceptional written and verbal communication skills, with the ability to influence cross-functional stakeholders and independently manage time-sensitive projects.
• Education: Bachelor’s degree in Finance, Accounting, Economics, or a related quantitative discipline.

For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range.

Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

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