Strategic Financial Analyst

Company Description

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

Job Description

As a forward-thinking Strategic Financial Analyst at Achieve, your contributions to the company's financial strategies will be invaluable. With your expertise in financial modeling, cash management and capital markets you will serve as a pivotal thought partner, not just within the strategic finance team but across the entire organization, supporting a range of significant strategic initiatives. Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partners. Our complimentary lending solutions are supported by a proven capital markets platform with 26 ABS deals totaling over $6.3Bn.

The finance team at Achieve is instrumental in sculpting the company's long-term business strategies and execution plans. Through a commitment to financial visibility, accountability, and the cultivation of strong cross-company relationships, the team ensures the company's growth strategies are both ambitious and grounded in solid data analysis.

At Achieve, the finance team parachutes into key strategic business priorities and partners side-by-side with cross-functional teams to provide deep financial analysis and modeling, thought leadership and guidance, and turning discussions & white board sessions into quantitative analysis - all through the lens of finance and strategy. We challenge the status quo to drive business insights and continuous improvements, while making the complex simple. 

In this position, you will partner closely with cross-functional teams to plan and execute against strategic initiatives. You will contribute to deal analytics, support corporate finance activities, drive daily treasury operations, and strategic projects across the enterprise. This role will deliver important insights and actionable recommendations to senior finance and executive management. A successful candidate will ensure financial, operating, and cash management decisions are based on accurate data and apply expertise to inform the overall strategy. This position will exemplify true business partnership, leading the way with collaboration, timely decision-making, alignment with strategic priorities, and value-added analysis. 

About You:

The ideal candidate will bring a “Business Partner” mindset and thrive in an organization that is ready to disrupt the norm. If you are creative and passionate and want to work with like-minded people, then you will LOVE Achieve. 

What You’ll Do:

• Financial Modeling Initiatives: Help develop and enhance complex financial models to support strategic decision-making across the enterprise as well as on company metrics and liquidity. Focus on pricing & sales optimization, credit & risk management, and new product & growth initiatives to drive profitability and efficiency. Leverage a robust understanding of financial statements to help build and maintain financial models and forecasts, as Achieve develops funding and growth strategies.
• Strategic Finance Projects: Collaborate with cross-functional teams to drive dynamic, revenue-generating projects. Utilize financial modeling to analyze opportunities and present actionable insights to senior finance and executive management.
• Market Trends Analysis: Keep Achieve at the forefront of personal finance by continuously monitoring market trends. Use your insights to align our product and platform within the competitive landscape through rigorous financial analysis.
• Decision Support: Support strategic decision-making by designing, maintaining, and enhancing advanced financial models in Excel. Craft comprehensive investment memos, deal committee materials, and other documentation to support informed decisions on corporate strategy.
• Cash Management: Help manage the company’s daily cash position. Initiate wires related to funding and cash management activity. Track activity and support proper accounting for these transactions. Build, update and maintain cash forecasting models and reporting. Work closely with Legal, Capital Markets, and Accounting team on intercompany loans, profit sharing, tax treatments, and other complicated transactions. Administer electronic banking portals and implement appropriate protocols designed by the team. Handle bank account documentation. Lead daily allocation of loans to investors. Manage day-to-day relationships with banking partners and lenders. Support month-end close activities. Organize execution of financial documents and maintain records.
• Financial Analysis: Help distribute a financial dashboard including cash balances, borrowing capacity, and month-to-date performance against forecasts. Bring past experience with cash controls to implement a more sophisticated control process at Achieve. Administer electronic banking portals and design appropriate protocols. Support external audit requests and assist in internal testing. Help build the scalable financial capabilities needed to support Achieve’s rapid growth. Help with administration of credit facilities including covenant compliance reporting, drawdowns, and payments. Support sensitivity analysis around covenants and triggers in all credit facilities using a strong data analytics skill set.

Qualifications

What You’ll Bring:

• Expertise in Financial Modeling: Demonstrated proficiency in developing advanced Excel-based financial models.
• Analytical Skills: Proven ability to deliver insightful financial analysis and present findings to the executive team. Ability to synthesize complex data into actionable insights.
• Project Management: Solid background in managing strategic finance initiatives from conception to execution. Proven track record of managing projects efficiently and meeting deadlines.
• Adaptability: Quick to adapt to changing business needs and comfortable in a fast-paced environment. Ability to navigate cross-functional collaboration to drive project success.
• Communication and Leadership: Exceptional communication and leadership skills, with a knack for bridging departmental gaps and fostering understanding and cooperation across teams.
• Capital Markets Knowledge: While not the primary focus, familiarity with capital markets and traditional investment banking is beneficial.
• Educational Background: Bachelor's degree in finance, accounting, or economics required. An MBA is a plus, along with a resilient drive, initiative, and a strong commitment to achieving results.

Additional Information

Achieve well-being with:

• Hybrid and remote work opportunities for certain roles
• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, wellness programs and fitness discounts
• Up to $5,250 paid back to you on eligible education expenses
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 2,300 employees in mainly hybrid roles with some remote opportunities available for certain roles across the United States with hubs in Arizona, California, Florida, and Texas. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Salary Range: $80,000.00 to $100,000.00 per year and bonus and benefits. This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 2,300 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.

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