Senior Analyst

Who you are

• Bachelor's degree in Finance, Accounting, Business, or a related field
• 3-5+ years of experience in strategic finance, FP&A, investment banking, consulting, or private equity
• Strong financial modeling skills and experience working with large data sets
• Adept at crafting C-level narratives using Excel and PowerPoint, experience business intelligence tools is a plus
• Demonstrated ability to support complex cross-functional projects and influence the organization
• Solid understanding of balance sheet lending and consumer credit dynamics

What the job involves

• Reports To: Sr. Manager, Strategic Finance
• As a Senior Analyst, Strategic Finance, you will play a critical role in shaping the financial strategy of Sunbit’s credit card and Point of Sales (POS) portfolios. You will sit at the intersection of finance, product, and operations—translating complex financial data into clear insights that drive decision-making at the leadership level
• Partner with business leaders to drive the month-end reporting and forecasting process, delivering accurate financial reports, variance analyses, and actionable insights to guide strategic decision-making
• Financial Modeling & Forecasting: Support the monthly, quarterly, and annual forecasting processes for the credit card business line, including revenue share, interchange fees, CECL allowance, and interest income
• Unit Economics & LTV Modeling: Build and maintain sophisticated models to track Life-Time Value (LTV) and Customer Acquisition Cost (CAC) and unit economics for credit card users
• Credit Performance Analysis: Partner with relevant teams to monitor delinquency rates, net charge-offs (NCOs), and provisioning (CECL) to understand their impact on the bottom line
• Business Partnership: Partner with leaders across the customer organization and support expense planning for the credit card business and customer care business units
• Strategic Decision Support: Evaluate new initiatives, pricing changes, and expense decisions through scenario and sensitivity analysis
• KPI Tracking: Design and automate dashboards to monitor key metrics

Benefits

• Mission driven + empowered + collaborative
• Competitive pay and stock options
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Maternity Leave
• 401K Plan with Matching
• Cell Phone Stipend
• Commuter Supplement for LA Office eligible employees
• Casual Dress
• Monthly Lunches in LA HQ