Senior Financial Analyst

Reports To: Sr. Manager, Strategic Finance Location: Jersey City, NJ The Company: Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app. We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other. What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants. Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence. The Role : 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. What you’ll own: 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. Requirements What You’ll Bring: 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. Solid understanding of balance sheet lending and consumer credit dynamics. 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. How We Pay: We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership. We are targeting a salary of $115,000 - $140,000 per year for this role This role will also be granted company equity via stock options Why Choose Sunbit? Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B. People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust. The Perks: Mission driven, empowered, and collaborative culture Competitive pay and stock options Unlimited PTO Newly added HSA and Pet Insurance 401(k) with company match Cell Phone Stipend Team-based strategic planning and ownership of deliverables Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees. Recruitment Fraud Disclaimer We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at View email address on click.appcast.io to confirm. We ask that you contact View email address on click.appcast.io only about potential instances of fraud. View email address on click.appcast.io does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to View email address on click.appcast.io directly, and your email about your application will be deleted from our systems. #J-18808-Ljbffr