FP&A Lead

* Strategic finance leader with deep FP&A, strategy, and risk experience, bringing BNPL or consumer lending context to navigate complexity and scale with rigor.

* Trusted thought partner to senior leadership, translating financial analysis across TTV, revenue, and cost of sales into insights that drive alignment and better decisions.

* This is a hybrid role based in our Manhattan, New York office, requiring 3 days per week on-site.

Start your adventure with Zip

As we continue to scale, execute on our strategic initiatives, and deliver exceptional experiences to our consumers, merchants, and partners, the complexity and criticality of our finance operations are rapidly increasing. This growth presents a unique opportunity for a high-performing FP&A Lead to join our team and support the financial engine of a leading BNPL lender.

In this role, you will report directly to the Director of FP&A and play a key part in driving financial insights and decision-making across TTV, Revenue, and Cost of Sales. You will collaborate closely with the broader U.S. Finance team and cross-functional stakeholders across the US business to ensure rigorous financial planning, analysis, and reporting that guides business performance and strategic execution.

In this role you will:

* Develop and maintain dynamic forecasts and scenario models for Total Transaction Value (TTV), Revenue, and Cost of Sales (CoS), incorporating key business drivers to support strategic planning, sensitivity analysis, and decision-making in a high-growth, Payments/Lending, consumer finance environment.

* Deliver timely, accurate, and actionable financial reporting and analysis to support operational and strategic decision-making, ensuring insights are aligned with key business drivers and enable cross-functional teams to track progress against objectives and identify performance improvement opportunities.

* Prepare and deliver executive-level financial reporting packages, including weekly, monthly, and quarterly dashboards that highlight performance against strategic KPIs across TTV, Revenue, and Cost of Sales.

* Collaborate with cross-functional teams including (but not limited to) Marketing, Commercial, Risk, Credit, Finance, Treasury, and accounting, operating as both a trusted and strategic business partner.

* Align financial plans with go-to-market strategies - tracking acquisition performance, conversion metrics, and revenue levers to improve forecast accuracy and unit economics, consolidate business inputs and surface strategic risks and opportunities in reporting deliverables.

* Perform complex and robust financial modeling, budgeting, and forecasting to support our longer-term planning and decision making processes.

What you'll bring to the team

* Bachelor's degree with 12+ years of relevant experience in Finance, Investment Banking, Accounting, or a related field with broader BNPL, payments, and/or lending experience preferred.

* Preferably an understanding of key BNPL, Payments, and/or Lending metrics including Total Transaction Value (TTV), Customer Acquisition Cost (CAC), bad debt loss rates, bad debt provisioning, and cohort profitability, with proven ability to integrate these into forecasting, reporting, and strategic planning.

* Apply broad expertise in highly specialized disciplines such as developing financial models, resolving complex problems, and providing strategic solutions across TTV, Revenue, and Cost of Sales;
Preferably in a BNPL, payments, or lending environment.

* Apply advanced conceptual thinking and analytical acumen with the ability to synthesize large data sets, evaluate variable factors, and recommend sound, actionable solutions, with limited guidance.

* Proven ability to design and implement forecasting, budgeting, and scenario analysis frameworks that support performance tracking against organizational strategy and key KPI with the goal of improving strategic decision-making and ultimately overall financial performance.

* Proficient in AI-driven financial analysis, including use in forecasting, anomaly detection, and scenario planning, amongst other scenarios.

* Skilled at creating formal networks and driving collaboration across functions by influencing stakeholders through clear insights, financial storytelling, and business acumen.

* Strong interpersonal communication, with experience networking beyond your own team and adapting messaging to different audiences across a broad range of disciplines, including senior leadership.

* Comfortable directing the application of financial principles to guide new policy development or adapt existing approaches to complex business needs.

* Proven ability to operate in a fast-paced environment and able to pivot and adapt with a sense of urgency across multiple competing priorities.

* Demonstrated ability to lead and/or contribute to the development of company objectives and principles by aligning growth levers across App and Commercial business lines to drive acceleration of customer acquisition,…