FP&A Lead

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

About us 

We are Zip, a global Buy Now, Pay Later company providing fair and seamless solutions that simplify how millions of people pay. Our journey began in Australia, has taken us to multiple countries - and we’re just getting started.

We exist to create a world where people can live fearlessly today, knowing they’re in control of tomorrow. Focused on product innovation that puts people at the center, we put the financial well-being of our customers and merchant partners at the heart of everything that we do.

We’re proud to be a values-led business. They guide us in everything we do - how we work together and create game-changing experiences for our customers and fellow Zipsters.

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 forTotal 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, improved cohort profitability, and increase the velocity of new merchant acquisition by delivering analysis that aides in strategic decision making ultimately leading to acceleration of top line growth and overall margin improvement. 

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at a fast pace and embrace change. Our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. 

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• Flexible working culture
• Incentive programs
• 20 days PTO every year
• Generous paid parental leave
• Leading family support policies
• 100% employer covered insurance
• Beautiful Union Square office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $155,000 - $180,000. This range reflects our US national compensation (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits. 

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. 

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