Finance Manager
Cobalt Recruitment
Our client is a VC backed fintech startup revolutionizing debt recovery for consumers and creditors with a best-in-class product. By leveraging AI and automation, they create user-friendly experiences that drive positive outcomes for all parties involved. The company is growing rapidly, supporting hundreds of thousands of consumers on their journey to financial resilience while building partnerships with top creditors and fintech companies. Responsibilities Own the company's financial model, rolling forecasts, and long-range planning scenarios. Lead monthly and quarterly budget vs. actuals analysis and collaborate with department heads to understand and manage spend. Dive into metrics like recovery performance, CAC/LTV, payback periods, and margins across our creditor partners and turn them into actionable insights. Model and monitor the economics of the debt book across its full lifecycle - inflows and acquisition, servicing, warehouse facility lines, and recoveries and outflows - so leadership understands how capital and debt actually move through the business. Partner on pricing analysis, resource allocation, and contract modeling for new business opportunities. Contribute to materials for board meetings and investor updates, translating numbers into narrative Requirements Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CFA is a plus). 5+ years of experience in FP&A, strategic finance, investment banking, or a related field. Real, hands-on exposure to how debt actually operates: how debt comes in, how it is serviced, and how it flows back out. Working knowledge of warehouse facility lines and servicing mechanics is essential, not just theoretical familiarity. Ability to translate the mechanics of debt servicing and funding facilities into forecasts, unit economics, and capital planning. Experience leading operating expense forecasting, budget ownership, and performance analysis, partnering with stakeholders through month-end close to support strategic decision-making. Advanced Excel and financial modeling skills; proficiency in NetSuite and FP&A tools a plus. #J-18808-Ljbffr
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