Manager, FP & A

NCD; Memphis (TN); Teletrabalho; USD 110 000 - 140 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Health, dental, life, and disability保险

401(k) with employer match

Professional development opportunities

Work from home allowance and support

Remote/office flexibility within the U

Resumo da oferta

NCD, a leading insurance provider, seeks a Manager, FP&A to own budgeting, forecasting, and financial models. You will collaborate with the CFO and senior leaders, build driver-based plans, and drive data-informed decisions using AI tools to improve speed and accuracy.

This remote role supports the US, with flexibility to work hybrid in certain markets. You will lead variance analysis, cash flow, and P&L workstreams across carriers and product lines, shaping strategic planning at scale.

Qualificações

• Bachelor's degree in Finance, Accounting, Economics, or a quantitative field is required.
• 5+ years of FP&A, IB, corporate development, or Big 4 experience is preferred.
• Advanced Excel modeling including three‑statement models and driver‑based forecasts.
• Working knowledge of GAAP and how drivers flow to financial statements.
• Ability to work with data directly via SQL or BI tools.

Responsabilidades

• Own the annual budget and monthly/quarterly reforecast with driver-based models.
• Produce monthly budget‑to‑actual and forecast‑to‑actual variance analyses with commentary for executives.
• Build and maintain P&Ls by carrier, program, product line, and distribution channel.
• Model carrier/distributor economics, including commissions, advances, reserves, and profit sharing.
• Build cash flow and liquidity forecasts and prepare lender reporting packages.
• Analyze new products and distributor agreements, including pricing and unit economics.
• Collaborate with Data to define metrics and move reporting to dashboards.
• Leverage AI tools to speed up recurring finance tasks and reconcile figures across systems.
• Document models and processes for audit readiness and close timing with Accounting.
• Other duties as assigned.

Conhecimentos

Advanced Excel modeling

SQL or BI tools

GAAP knowledge

Clear written communication

Independent remote work

Formação académica

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

Ferramentas

SQL

BigQuery

dbt

Power BI

Tableau

Omni

Sage Intacct

Adaptive

Pigment

Cube

Descrição da oferta de emprego

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.

SPREADING THE SMILE