Principal Financial Analyst

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we're enabling people to unlock real financial progress. Sound like a mission you can get behind? We're looking for a rigorous financial analyst who is adept at financial modeling, comfortable navigating EPM systems, and has a solid grasp of the fundamentals of credit card or bank economics to join our Finance Team as a Principal Financial Analyst. The impact you'll make: You'll drive forward our mission of empowering people to unlock financial progress by leading day-to-day financial modeling, executing rolling forecasts to ensure our growth is sustainable, and providing the deep-dive analytics that fuel executive reporting. Within your first year, you will be independently managing complex baseline and stress scenarios for our "big" corporate forecast model, serving as a key specialist in our financial engine. This is a "builder" environment, where you'll have a broad purview across the entire balance sheet, cash flow, and income statement, gaining deep specialization in how a fintech operates. As Principal Financial Analyst you will:

• Lead the day-to-day execution of annual operating budgets and quarterly rolling forecasts, ensuring work plans align with broader corporate strategy.
• Independently resolve complex modeling problems, building and updating driver-based models to forecast business performance.
• Conduct ROI and NPV analysis on business initiatives, operating with independence to provide the technical "source of truth."
• Act as the functional specialist on collaborative projects with Credit, Growth, and Strategy, contributing technical expertise to help partners understand the financial impact of their decisions.
• Complete high-impact individual work while being a resource for the team, which may include training or supporting other employees on financial tools and best practices.
• Leverage EPM software (like Workday Adaptive) and SQL to automate repetitive tasks, make decisions on process improvements, and conduct deep dive analyses.

Minimum Qualifications:

• 2+ years of experience in FP&A, strategic analytics, or investment banking, specifically within the credit card or banking industry.
• Proven ability to apply fundamental financial concepts and practices to complete difficult assignments with minimal direct instruction.
• High proficiency in modeling GAAP financial statements and using data as an investigative tool to analyze performance variance.
• Proficiency in data analysis tools (e.g., Excel, SQL, Python) with a mindset for automation and continuous process improvement.
• Bachelor's degree in Finance, Economics, or a related quantitative field.
• A track record of building rigorous analytics from the ground up and the maturity to work independently in a remote environment.
• Ability to travel as required.

Preferred Qualifications:

• Experience using EPM tools (e.g., Workday Adaptive, OneStream, Oracle, SAP, etc.)
• Previous experience modeling all 3 financial statements

Compensation

Annual full-time starting base salary range: $114,000 - $133,000 This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment. About Mission Lane: Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn't have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn't do. In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors. Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member. Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status. Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting [email protected]. Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters. Application Integrity: Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete. Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment. Apply tot his job Apply To this Job