Manager, FP & A

NCD; Dallas (TX); Remote; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health, dental, life, and disability保险

401(k) with employer match

Work from home allowance

Professional development

Job summary

NCD is seeking a Manager, FP&A to own the budget, forecast, and the models behind them. You will work directly with the CFO and leaders who run sales, product, and operations. This is a hands-on role where you build and run models and dive into data to find answers.

Finance at NCD uses AI tools to speed planning and improve accuracy, and you will help move reporting from spreadsheets to dashboards while ensuring timely, accurate analysis for decision-making.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or quantitative field.
• 5+ years FP&A, investment banking, or Big 4 advisory.
• Advanced Excel modeling: three-statement, driver-based forecasts.
• GAAP knowledge linking drivers to P&L/balance sheet/cash flow.
• SQL or BI tools for direct data access.
• Clear written communication to explain variances to executives.
• Ability to work independently in a remote team and meet deadlines.

Responsibilities

• Own the annual budget and monthly/quarterly reforecast.
• Produce monthly budget-to-actual and forecast-to-actual variance analysis with commentary.
• Build and maintain P&Ls by carrier program, product line, and distribution channel.
• Model carrier and distributor economics, including commissions and reserves.
• Build cash flow and liquidity forecast, and prepare lender reporting packages.
• Analyze new products, distributor agreements, and acquisitions: pricing, unit economics, payback, scenarios.
• Collaborate with Data team to define metrics and move reporting to dashboards.
• Use AI tools to speed up recurring finance work.
• Work with Accounting on close timing and accruals, and reconcile forecast to GL.
• Document models and processes for audit readiness.

Skills

Advanced Excel modeling

SQL

BI tools

GAAP knowledge

Written communication

Remote work independence

Education

Bachelor's degree in Finance, Accounting, Economics, or quantitative field

Tools

BigQuery

dbt

Power BI

Tableau

Sage Intacct

Adaptive

Pigment

Cube

Job description

Join our team at NCD, a top-tier insurance provider, consisting of a unique and eclectic group of winners, nerds, and gamers who balance a fun, kind, and thoughtful approach to life with an unwavering commitment to unparalleled member satisfaction. Our ecosystem is rooted in our five core values:Relentless Positivity, Growth Obsessed,Getit Done, Helpful Spirit, and Solution Driven.

We are not just coworkers, but a community, working tirelessly towards 'Spreading the Smile' to our members, agents, and each other. NCD is at the forefront of dental and vision insurance, in partnership with our carrier partners MetLife, VSP, and Zurich. Our continuous growth is a testament to our commitment to delivering outstanding agent and customer satisfaction.

If you are ready to win each day, are eager to grow, and aspire to contribute to an organization that is setting the pace in the industry, then we are looking for you. Together, let’s drive change and take NCD to new heights. Join us and become a vital part of our success story as we continue to transform lives and 'Spread the Smile.

Location: Remote (U.S.). Preference for candidates in Greater Detroit, Dallas-Fort Worth, Memphis, or Kansas City who can work hybrid.

The Role

NCD is looking for a Manager, FP&A to own the budget, the forecast, and the models behind them. You will work directly with the CFO and with the leaders who run sales, product, and operations. This is a hands-on role: you build and run the models yourself, and you are comfortable going into the data to find the answer. Finance at NCD already uses AI tools in its daily work, and we want someone who is excited to use them to make planning faster and more accurate.

Summary

NCD earns its revenue as broker of record, program administrator, and administrator for its carrier partners, paid through commissions and administrative fees on premium. Results depend on member enrollment, persistency, distributor mix, and carrier terms. The business is growing and adding products, and the planning process has to grow with it. The Manager, FP&A turns those drivers into the plan, the forecast, and the analysis that leadership uses to make decisions.

Essential Duties and Responsibilities

• Own the annual budget and the monthly and quarterly reforecast. Build and maintain the driver-based model: members, premium, commission and fee rates, persistency, and acquisition cost.
• Produce monthly budget-to-actual and forecast-to-actual variance analysis with written commentary for the CFO and executive team.
• Build and maintain P&Ls by carrier program, product line, and distribution channel.
• Model carrier and distributor economics, including commission structures, advances and chargebacks, experience-rated reserves, and profit-sharing arrangements.
• Build the cash flow and liquidity forecast, and prepare lender reporting packages.
• Analyze new products, distributor agreements, and acquisitions: pricing, unit economics, payback, and scenarios.
• Work with the Data team to define the metrics Finance relies on (members, persistency, lifetime value, acquisition cost) and move recurring reporting from spreadsheets into dashboards.
• Use AI tools to speed up and improve Finance's recurring work: pulling data for variance commentary, reconciling figures across systems, drafting lender and audit request packages, and documenting models so that both people and AI tools can work with them.
• Work with Accounting on close timing and accruals, and reconcile the forecast to the general ledger.
• Document models and processes so that others can run, review, and audit them. Support requests from the annual audit.
• Other duties as assigned.

Must-Have Skills and Experience

• Bachelor's degree in Finance, Accounting, Economics, or a quantitative field.
• 5+ years of experience in FP&A, investment banking, corporate development, or Big 4 audit, transaction, or advisory work.
• Advanced Excel modeling: three-statement models, driver-based forecasts, and scenario analysis, built so that another analyst can follow them.
• Working knowledge of GAAP financial statements and how operating drivers flow to the P&L, balance sheet, and cash flow.
• Comfort working with data directly, through SQL or a BI tool, rather than waiting for someone else to pull it.
• Clear written communication. You can explain a variance to a non-finance executive in a few sentences.
• Works independently in a remote team and meets deadlines without close supervision.

Preferred Skills and Experience

• 1-2 years in investment banking or at a Big 4 firm.
• Experience building or scaling FP&A processes at a growing company, such as moving the budget onto a repeatable calendar, starting a regular reforecast, or building KPI reporting from scratch.
• Interest in data analytics, with hands-on SQL and experience with BigQuery, dbt, Omni, Power BI, Tableau, or similar tools.
• Experience in insurance, insurance distribution, healthcare, or another business with commission or recurring revenue.
• Experience with Sage Intacct or a planning tool such as Adaptive, Pigment, or Cube.
• Excited about using AI to improve how finance work gets done, with examples: building a model faster, automating a recurring reconciliation or report, or querying data in plain English through a BI tool.

What Success Looks Like in the First 90 to 180 Days

• By 90 days: you know the revenue model, the carrier and distributor economics, and the current planning workbooks. You have run a full monthly variance cycle and delivered a reforecast.
• By 180 days: you own the next budget cycle. Monthly reporting runs on a fixed calendar. At least one recurring report has moved from a spreadsheet to a dashboard with the Data team, and the core models are documented.
• Company-paid health, dental, life, and disability insurance
• 401(k) with employer match
• Opportunity for professional development
• Work from home allowance and support
• Positive work environment
• Remote, office-based flexibility within the United States of America

NCD is an Equal Opportunity Employer. We are committed to building a team that reflects a variety of backgrounds, perspectives, and skills. We believe our differences make us stronger and help us better serve our members, agents, partners, and each other.