FP&A Manager

Cobalt Recruitment; New York (NY); On-site; USD 130,000 - 170,000; Full time

Job summary

Cobalt Recruitment's client, a VC-backed Series A fintech, is seeking an FP&A Manager to build the function, own the model, and help leadership understand capital and debt flows. You will own the financial model, rolling forecasts, and long-range planning, lead budget vs actuals with department heads, and translate numbers into actionable insights for the board.

You will also analyze debt operations, margins, and pricing dynamics, partnering with teams to inform strategic decisions and investor

Qualifications

• Bachelor's in Finance, Accounting, Economics, or a related field; MBA or CFA a plus.
• 5-plus years across FP&A, investment banking, transaction advisory, consulting, or a high-growth tech finance team.
• Exceptional financial modeling. Build a clean, fully linked three-statement model and stress cash flow.
• A real working understanding of how debt operates, services, and flows back out.
• Comfort with ambiguity and a build-from-scratch mindset.
• Experience with operating expense forecasting, budget ownership, and month-end close.
• Advanced Excel and modeling; NetSuite and FP&A tools a plus.

Responsibilities

• Own the company's financial model, rolling forecasts, and long-range planning scenarios.
• Lead monthly and quarterly budget vs. actuals with department heads.
• Analyze recovery performance, CAC and LTV, payback periods, and margins.
• Model and monitor debt book economics across its lifecycle and facilities.
• Partner on pricing, resource allocation, and contract modeling for new business.
• Contribute to board and investor materials, translating numbers into narrative.

Skills

Financial modeling

Forecasting

Budgeting

Stakeholder collaboration

Cash flow analysis

Education

Bachelor's degree in Finance/Accounting/Economics

MBA or CFA

Tools

Excel

NetSuite

FP&A tools

Job description

Our client is a VC-backed Series A fintech that is looking to hire an FP&A Manager to support the VP of Finance. The FP&A Manager will build the function, own the model, and help leadership understand how capital and debt move through the business.

What you will own

• Own the company's financial model, rolling forecasts, and long-range planning scenarios, with a high bar for accuracy, cash flow, and liquidity logic.
• Lead monthly and quarterly budget vs. actuals, partnering with department heads to understand and manage spend.
• Dive into recovery performance, CAC and LTV, payback periods, and margins across creditor partners, and turn them into actionable insights.
• Model and monitor the economics of the debt book across its full lifecycle, acquisition and inflows, servicing, warehouse facility lines, and recoveries and outflows, so leadership sees how capital and debt actually move.
• Partner on pricing, resource allocation, and contract modeling for new business.
• Contribute to board and investor materials, translating numbers into narrative.

What we are looking for

• Bachelor's in Finance, Accounting, Economics, or a related field. MBA or CFA a plus.
• 5-plus years across FP&A, investment banking, transaction advisory, consulting, or a high-growth tech finance team.
• Exceptional financial modeling. You can build a clean, fully linked three-statement model from a blank sheet, stress the cash flow, and catch the risks before leadership does.
• A real working understanding of how debt operates, how it comes in, how it is serviced, and how it flows back out.
• Comfort with ambiguity and a build-from-scratch mindset.
• Experience with operating expense forecasting, budget ownership, and month-end close in support of strategic decisions.
• Advanced Excel and modeling skills. NetSuite and FP&A tools a plus.