Finance Analyst 1P Lending, IES Payments 1P Lending

Supports the 1P Lending program by owning end-to-end Profit & Loss (P&L) setup driving Financial Planning & Analysis (FP&A) cycles including forecasting budgeting and variance analysis and building unit economics frameworks to evaluate lending profitability at a per-loan and per-customer level. Partners cross-functionally with Business Risk Capital and Accounting teams to deliver financial insights establish governance mechanisms and enable data-driven decision-making for program scaling across markets.

Key job responsibilities
P&L Ownership: Own end-to-end P&L setup cost allocation and revenue recognition for the 1P Lending program.
FP&A Planning: Drive OP1/OP2 quarterly forecasts and monthly variance analysis aligned to business goals.
Unit Economics: Build per-loan and per-cohort profitability frameworks to evaluate contribution margins and cost-to-serve.
SQL and Data Analysis: Write and optimize SQL queries to extract and analyze large-scale lending datasets for reporting and deep dives.
Data-Backed Insights: Deliver actionable insights on origination volumes delinquency Net Interest Margin and Expected Credit Loss to leadership.
Governance and Reviews: Support MFR QFR WBR and Page-0 reporting ensuring consistent P0 metric tracking and variance callouts.
Cross-Functional Partnership: Partner with Risk Capital Markets Accounting Tax and Treasury on financial assumptions and reconciliation.
Financial Modeling: Develop models for new product launches pricing changes and market expansion scenarios.
Process Automation: Automate reporting and planning workflows by improving SQL pipelines and system integrations (e.g. Hyperion Cognos).
Stakeholder Communication: Translate complex financial data into crisp executive-ready narratives for leadership reviews.

About the team
IES Payments Team

- 1 years of finance experience
- 2 years of Accounts Receivable or Account Payable experience
- 2 years of applying key financial performance indicators (KPIs) to analyses experience
- Knowledge of standard software including Excel Access Oracle Essbase SQL and VBA skills
- Experience using data to influence business decisions
- Experience in corporate finance including budgeting/planning forecasting and reporting

- 2 years of participating in continuous improvement projects in your team to scale and improve controllership with measurable results experience
- Experience in TM1 Data Warehouse and SQL

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