FP&A Manager

Cobalt Recruitment; New York (NY); On-site; USD 90,000 - 130,000; Full time

Job summary

A VC-backed fintech startup is seeking an experienced FP&A leader to own financial modeling, rolling forecasts, and long-range planning. You will lead monthly/ quarterly budget vs actual analyses with department heads, and dive into metrics like recovery performance, CAC/LTV, and margins with creditor partners.

You will model the debt book's full lifecycle and support pricing decisions and investor updates.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics (MBA or CFA is a plus).
• 5+ years of experience in FP&A, strategic finance, investment banking, or a related field.
• Real, hands-on exposure to how debt actually operates: debt inflows, servicing, and flows back out; knowledge of warehouse facility lines and servicing mechanics is essential.
• Ability to translate the mechanics of debt servicing and funding facilities into forecasts, unit economics, and capital planning.
• Experience leading operating expense forecasting, budget ownership, and performance analysis, partnering through month-end close.
• Advanced Excel and financial modeling skills; proficiency in 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 analysis and collaborate with department heads to understand and manage spend.
• Dive into metrics like recovery performance, CAC/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 - inflows and acquisition, servicing, warehouse facility lines, and recoveries and outflows - so leadership understands how capital and debt actually move through the business.
• Partner on pricing analysis, resource allocation, and contract modeling for new business opportunities.
• Contribute to materials for board meetings and investor updates, translating numbers into narrative

Skills

Financial modeling

Forecasting

Budgeting

Excel

Strategic finance

Education

Bachelor's degree in Finance, Accounting, Economics

Tools

NetSuite

FP&A tools

Job description

Our client is a VC backed fintech startup revolutionizing debt recovery for consumers and creditors with a best-in-class product. By leveraging AI and automation, they create user-friendly experiences that drive positive outcomes for all parties involved. The company is growing rapidly, supporting hundreds of thousands of consumers on their journey to financial resilience while building partnerships with top creditors and fintech companies.

Responsibilities

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

.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CFA is a plus).
• 5+ years of experience in FP&A, strategic finance, investment banking, or a related field.
• Real, hands-on exposure to how debt actually operates: how debt comes in, how it is serviced, and how it flows back out. Working knowledge of warehouse facility lines and servicing mechanics is essential, not just theoretical familiarity.
• Ability to translate the mechanics of debt servicing and funding facilities into forecasts, unit economics, and capital planning.
• Experience leading operating expense forecasting, budget ownership, and performance analysis, partnering with stakeholders through month-end close to support strategic decision-making.
• Advanced Excel and financial modeling skills; proficiency in NetSuite and FP&A tools a plus.