FP&A Analyst

Target Salary: $92,500 (commensurate with experience and skills) + Bonus

Work Location:
Hybrid (Denver, CO) | Report to Head of Enterprise Operations

Are you ready to be a part of something BIG and GROUNDBREAKING?

At Covered, we are focused on building the future of insurance. Joining Covered Insurance means stepping into a FAST-PACED, INNOVATIVE environment where you can help to REDEFINE the future of insurance. Unlike traditional firms, we leverage cutting-edge APIs, pre-built UI components, and a full-service licensed stack to create smarter, more customer-centric solutions.

Covered, a best-in-class B2B2C embedded insurance marketplace, intends to make insurance easy to understand and painless to purchase. We believe the independent agent is increasingly important, and technology should be built to empower the agent and deliver delightful digital experiences to the customer. By partnering with lenders, financial institutions, and fintech companies, we deliver our personalized embedded insurance marketplace to their customers.

Covered is looking for a Financial Planning Analyst (FP&A) to join our growing Insurtech team. In this role, you’ll play a key part in driving financial insight and operational efficiency across the business. You’ll develop and analyze key financial metrics, support forecasting and budgeting cycles, and create dynamic models that inform strategic decisions. Working cross-functionally, you’ll provide data-driven recommendations to optimize resource allocation, evaluate partner performance, and ensure strong financial controls.

This is a high-impact role for someone who enjoys blending financial analysis with business strategy in a fast-paced, collaborative startup environment.

• Bachelor’s degree or equivalent experience in accounting or finance.
• 4+ years of accounting/finance experience. Experience in an insurance environment is desirable.
• Strong experience with Microsoft Office (Excel, Outlook, PowerPoint etc.).
• Experience with SQL or BI tools (Sigma, Looker, Tableau, Power
  
  BI) a plus
• Experience with Hubspot CRM
• Excellent interpersonal, verbal, and written communication skills
• Effective use of organizational and time management skills. Self-directed, able to work with minimal direct supervision.
• FP&A approach:
  Acts as a business partner. Dives deep to understand the business realities, provides insight, and finds opportunities to improve.

• Culture: work with passionate, innovative professionals who love what they do. Learn from the best, work with the best!
• Medical, Dental, and Vision Insurance to keep you healthy and covered.
• FSA and HSA for added financial flexibility.
• Life Insurance, AD&D, STD, and LTD to protect you and your loved ones.
• 401(k) Retirement Savings Plan to help you build a secure future.
• Casual Time Off Policy: take the time you need to recharge.
• 13 Paid Holidays per year to celebrate and relax.

• Develop, monitor, and analyze financial key performance indicators, including the preparation of variance reports to highlight performance trends and deviations.
• Assist in the preparation, refinement, and presentation of monthly, quarterly, and annual financial forecasts, ensuring timely and accurate reporting to senior leadership for strategic decision-making.
• Collaborate in the annual budgeting cycle, providing analytical support and ensuring alignment with strategic objectives.
• Conduct in-depth analysis of budget variances, identifying underlying drivers and preparing detailed reports to advise leadership decisions.
• Partner with cross-functional teams to support cost modeling efforts, delivering insights that optimize resource allocation and operational efficiency.
• Maintain and enhance dynamic financial models for revenue, headcount, expenses, and cash flow.
• Own the partner proforma modeling process for all current and future partners
• Assist when needed with relevant U.S. tax and compliance requirements, assessing their impact on reporting and operations
• Uphold…