Zip Co · 7 hours ago
FP&A Lead
United States
Full-time
Hybrid
Senior Level, Lead/Staff
$158K/yr - $190K/yr
12+ years expZip Co Limited is a digital financial services company seeking a strategic finance leader with deep FP&A and risk experience. The FP&A Lead will collaborate with senior leadership to provide financial insights that drive decision-making and support the company's growth in the BNPL and consumer lending sectors.
FinanceFinancial ServicesFinTechPayments
Responsibilities
Develop and maintain dynamic forecasts and scenario models for Total 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
Qualification
Required
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
Develop and maintain dynamic forecasts and scenario models for Total 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
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
Benefits
Flexible working culture
Incentive programs
Unlimited PTO
Generous paid parental leave
Leading family support policies
Company-sponsored 401k match
Learning and wellness subscription stipend
Beautiful Union Square office with a casual dress code
Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available
Company
Zip Co
Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centred products that bring customers and merchants together.
1001-5000 employees
H1B Sponsorship
Zip Co has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (4)
2024 (9)
2023 (4)
2022 (4)
Funding
Current Stage
Public CompanyTotal Funding
$1.55BKey Investors
Victory Park CapitalWestpacNational Australia Bank
2025-12-15Post Ipo Debt· $283M
2024-07-17Post Ipo Equity· $146.05M
2024-01-16Post Ipo Debt· $225M
Leadership Team
Cynthia Scott
Managing Director and Group CEO
Peter Gray
Co-founder and Global Chief Operating Officer
Recent News
2025-12-03
MarketScreener
2025-12-03
Company data provided by crunchbase