FP&A Lead

Zip Co; New York (NY); Hybrid; USD 158,000 - 190,000; Full time

Benefits offered by this job

Flexible working culture

Incentive programs

Unlimited PTO

Generous paid parental leave

Company-sponsored 401k match

Learning and wellness subscription stipend

Industry-leading insurance

Job summary

A digital financial services company is seeking a strategic finance leader based in Manhattan, New York. This hybrid role entails developing forecasts, delivering financial reporting, and collaborating with cross-functional teams. The ideal candidate has over 12 years of experience in finance, particularly in BNPL or consumer lending. The company offers a supportive work environment with flexible culture, unlimited PTO, and competitive compensation ranging from $158,000 to $190,000 annually.

Qualifications

• 12+ years of relevant experience in Finance, Investment Banking, Accounting, or related fields.
• Understanding of BNPL, Payments, and/or Lending metrics.
• Experience in developing financial models and scenario analysis.

Responsibilities

• Develop and maintain dynamic forecasts and scenario models.
• Deliver accurate financial reporting and analysis.
• Prepare and deliver executive-level financial reporting packages.

Skills

Financial modeling

Analytical acumen

Collaboration and influencing skills

AI-driven financial analysis

Communication

Education

Bachelor's degree

Job description

Overview

Strategic finance leader with deep FP&A, strategy, and risk experience, bringing BNPL or consumer lending context to navigate complexity and scale with rigor. This is a hybrid role based in our Manhattan, New York office, requiring 3 days per week on-site.

What You’ll Do

• Develop and maintain dynamic forecasts and scenario models for Total Transaction Value (TTV), Revenue, and Cost of Sales (CoS), incorporating key business drivers to support strategic planning, sensitivity analysis, and decision-making in a high-growth, Payments/Lending, consumer finance environment.
• Deliver timely, accurate, and actionable financial reporting and analysis to support operational and strategic decision-making, ensuring insights are aligned with key business drivers and enable cross-functional teams to track progress against objectives and identify performance improvement opportunities.
• Prepare and deliver executive-level financial reporting packages, including weekly, monthly, and quarterly dashboards that highlight performance against strategic KPIs across TTV, Revenue, and Cost of Sales.
• Collaborate with cross-functional teams including Marketing, Commercial, Risk, Credit, Finance, Treasury, and accounting, operating as both a trusted and strategic business partner.
• Align financial plans with go-to-market strategies — tracking acquisition performance, conversion metrics, and revenue levers to improve forecast accuracy and unit economics, consolidate business inputs and surface strategic risks and opportunities in reporting deliverables.
• Perform complex and robust financial modeling, budgeting, and forecasting to support longer-term planning and decision making processes.

What You’ll Bring To The Team

• Bachelor’s degree with 12+ years of relevant experience in Finance, Investment Banking, Accounting, or a related field; broader BNPL, payments, and/or lending experience preferred.
• Understanding of key BNPL, Payments, and/or Lending metrics including TTV, CAC, bad debt loss rates, bad debt provisioning, and cohort profitability, with proven ability to integrate these into forecasting, reporting, and strategic planning.
• Expertise in developing financial models, solving complex problems, and providing strategic solutions across TTV, Revenue, and Cost of Sales; preferably in a BNPL, payments, or lending environment.
• Advanced conceptual thinking and analytical acumen with the ability to synthesize large data sets, evaluate variable factors, and recommend sound, actionable solutions with limited guidance.
• Experience designing and implementing forecasting, budgeting, and scenario analysis frameworks to track performance against organizational strategy and KPIs, improving strategic decision-making and financial performance.
• Proficiency in AI-driven financial analysis for forecasting, anomaly detection, and scenario planning.
• Strong collaboration and influencing skills across functions, with clear insights and financial storytelling for senior leadership.
• Excellent interpersonal communication; ability to network beyond own team and adapt messaging to diverse audiences, including senior leadership.
• Comfort directing application of financial principles to guide policy development or adapt approaches to complex business needs.
• Ability to operate in a fast-paced environment with urgency across multiple priorities.
• Experience aligning growth levers across App and Commercial business lines to drive customer acquisition, improve cohort profitability, and accelerate top-line growth while improving margins.

What You’ll Get In Return

Zip offers a fast-paced, empowering environment with opportunities to grow your skills and career. You’ll be supported by smart, friendly leaders and teammates. Benefits include:

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various factors. The annual base Pay Range for this position is $158,000 - $190,000. This range reflects our US Premium 2 compensation. The total compensation package may also include a bonus and/or equity awards, in addition to a full range of medical, financial, and other benefits. If hired, employees will be in an at-will position and the Company reserves the right to modify base salary and other compensation programs.

Equal Opportunity and Compliance

Be part of a team that reflects the diversity of our customers
Zip is committed to equal opportunities for people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and other unique characteristics. We’re also committed to accessible recruitment processes; please let us know if any adjustments are needed for a fair experience.

About Zip
Zip Co Limited (ASX: ZIP) is a digital financial services company operating in Australia/New Zealand (ANZ) and the US, offering point‑of‑sale credit and digital payment services. We value Customer First, Own it, Stronger Together, and Change the Game.

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