Mission Lane
Credit-building fintech offering transparent cards
Senior Treasury Analyst
+ Annual incentive + Equity programs
Remote within the United States, with travel up to approximately four times a year for in-person collaboration.
About the job
- A Bachelor's degree in Finance, Accounting, Economics, or a related quantitative discipline.
- At least 4 years of experience in Treasury, Finance, Accounting, or a comparable analytical role within financial services or fintech.
- Advanced proficiency in Microsoft Excel, with foundational knowledge of or a strong desire to develop proficiency in SQL and Python.
- Strong foundational understanding of corporate cash management, treasury operations, interest rate risk, and core financial principles.
- Ability to operate independently, resolve complex issues within the specialization, and manage competing priorities in a fast-paced, technology-driven environment.
- Ability to collaborate across technical and non-technical, cross-functional teams.
- Remote work with the ability to travel approximately up to four times a year for high-quality in-person collaboration.
- Monitor daily cash positions across bank accounts, and execute and track wire transfers and Automated Clearing House payments to ensure timely, accurate settlement.
- Refine and maintain short- and medium-term cash flow forecasts.
- Own daily and monthly bank account reconciliations, proactively identifying and resolving discrepancies.
- Support the Senior Treasury Manager with ad hoc reporting and analysis.
- Support accounts payable and accounts receivable processes, and partner with Accounting, Financial Planning and Analysis, and Capital Markets to keep reporting accurate.
- Support internal controls and audit requests tied to Treasury activities, and help ensure compliance with debt covenants, investor requirements, and corporate policy.
- Experience with enterprise resource planning systems such as NetSuite.
- Familiarity with application programming interfaces, data integration, and process automation tools such as PyCharm, Visual Studio, and Postman.
- Experience using artificial intelligence to streamline and automate business processes, including Claude.
- Familiarity with regulatory requirements and compliance standards within the fintech industry, including Sarbanes-Oxley Act and Generally Accepted Accounting Principles.
About the company
Mission Lane provides consumer credit cards designed to help people build or rebuild their credit. It offers cards with transparent pricing—no hidden fees, no security deposits, and no activation fees—and earns revenue from interest and late fees. The product features instant approval decisions, free access to credit scores, credit-building education, and reports sent to all three major credit bureaus. As customers use credit responsibly, they can receive higher credit limits over time. Compared to other issuers, Mission Lane differentiates itself through clear pricing, immediate approvals, and integrated credit-building tools. The company's goal is to help individuals establish stronger credit histories by providing accessible, transparent credit and educational resources.
Company Size
201-500
Company Stage
Late Stage VC
Total Funding
$1B
Headquarters
Richmond, Virginia
Founded
2018
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Simplify's Take
What believers are saying
- Mission Lane and Plaid expanded open-finance access for two million customers in 2023.
- The April 2026 bank charter filing targets cheaper funding and direct card issuance.
- BusinessWire said Mission Lane served over three million customers and became profitable in 2024.
What critics are saying
- BBB logged 600 Mission Lane complaints in three years through August 2026.
- Two open NLRB charges were filed June 10, 2026, alleging coercive rules.
- OCC rejection of its bank charter keeps TAB Bank and WebBank dependence through 2027.
What makes Mission Lane unique
- Mission Lane filed for a U.S. national bank charter on April 21, 2026.
- Its unsecured cards require no security deposit and use Plaid-linked underwriting data.
- Brandon Black, a former Capital One and Encore Capital executive, became CEO in 2024.
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Benefits
Full health, dental, and vision benefits
FSA
Paid parental leave
401k with company match
Generous PTO
Flexible work schedule
Growth & Insights and Company News
6 month growth
↓ -1%1 year growth
↓ -2%2 year growth
↓ -3%Richmond fintech Mission Lane has named Brandon Black is new chief executive.
RICHMOND, Va.--(BUSINESS WIRE)--Mission Lane, a purpose-driven consumer fintech company, today announced that its Board of Directors has appointed Brandon Black as Chief Executive Officer. Black has served on the board since 2019. The company concurrently announced that it has closed on additional funding from Invus Opportunities and QED Investors. In the last five years, Mission Lane has served over three million customers and built a high-quality portfolio of over $2 billion, all while becoming profitable and consistently earning industry-leading customer Net Promoter Scores and strong financial returns on capital. Black, who has nearly three decades’ experience in financial services, started his career at Capital One, leading various operating units – including credit, customer service, fraud, and collections – as the company grew from a unit within Signet Bank into an enduring market leader. Subsequently, he served as COO and CEO of Encore Capital Group
$100M Mission has launched a training program for aspiring entrepreneurs to learn affiliate marketing and scale their businesses quickly.
Plaid is expanding its application programming interface (API)-based data sharing network.The firm is now migrating 100% of its traffic to APIs for financial institutions, including Capital One, J.P. Morgan Chase, USAA and Wells Fargo, Plaid Head of U.S. Financial Institution Partnerships Christy Sunquist wrote in a Thursday (May 11) blog post.Plaid has also signed agreements with RBC, Citibank and M&T, and it will migrate its traffic to their APIs in the coming months, according to the post.“Our goal is to remove the need to rely on screen scraping in order for consumers to use the apps and services they want, and the momentum across our API integrations will help the industry get there faster,” Sunquist wrote.Plaid has been working with financial institutions to set up an API-based data-sharing network for a decade, according to the blog post.Last year, the company launched Core Exchange, which helps community banks, credit unions, FinTechs and digital banking platforms plug into Plaid’s network via the Financial Data Exchange (FDX) API specification. To date, more than 2,100 such organizations have done so, the post said.By participating in Core Exchange, they can adopt open banking and enable their customers to connect their accounts to apps in Plaid’s network via API, per the post.“It’s exciting to see all corners of the industry come together to embrace open finance and unlock exponential value for consumers as they move their financial lives online,” Sunquist wrote.Partnerships recently announced by Plaid illustrate the benefits open finance can offer to consumers.For example, Buddy, a budgeting app for Generation Z, partnered with Plaid in April to allow its users to securely connect their financial accounts and track their spending.In February, Mission Lane expanded its collaboration with Plaid to offer underbanked consumers access to digital payments, financial planning and investment tools, and other resources powered by the Plaid network.In December, Australian FinTech Airwallex teamed up with Plaid to offer its customers faster automated clearing house (ACH) payments and a safer, cost-efficient way to authorize debits from their bank accounts
Purpose-driven fintech Mission Lane today announced it is expanding its partnership with the data network Plaid to bring secure open finance solutions to its two million-plus customers.The expanded partnership leverages Plaid’s innovative open finance API data connectivity solution, which allows customers to securely connect their Mission Lane branded accounts to more than 7,000 apps and services powered by the Plaid network, such as digital payments and financial planning and investment tools to help them improve their financial outcomes.Ensuring all consumers have access to modern financial tools has never been more critical. Facing inflation, market volatility and risk of recession, consumers are more reliant than ever on digital financial tools. Plaid’s 2022 Fintech Effect Report found that more than half of Americans (53%) say that their financial stress increased over the past year, and 77% say accessing their finances from anywhere is helping them navigate a challenging economy.“In today’s world, consumers expect their finances to be seamless and at their fingertips. This is especially true for the many customers we work with who are trying to build or rebuild their financial lives and want to have a full picture of where they stand,” said Shane Holdaway, CEO of Mission Lane. “We are so excited to expand our partnership with Plaid, which will help us serve more consumers and offer a connected, open finance solution across our products.”“Plaid is excited to expand our partnership with Mission Lane to ensure that even more people will benefit from financial inclusion,” said Eric Sager, COO of Plaid. “The expanded partnership with Mission Lane will help millions of customers securely connect their accounts to the apps and services which will help those customers build the credit they need to lead healthier financial lives.”Plaid and Mission Lane have a shared vision to advance financial access to all