Senior Financial Planning Analyst

Position Summary

The Senior Financial Planning Analyst plays a critical role in supporting the company’s financial modeling, loan performance forecasting, and analytical decision-making processes. This role partners closely with the Director of Finance to build and maintain models, reporting, and insights that guide customer acquisition strategy, credit policy, cash-flow planning, and overall portfolio performance. The position requires strong analytical capabilities, exceptional attention to detail, and the ability to translate data into actionable insights for cross-functional partners across Marketing, Risk, and Operations.

Key Responsibilities

• Build, maintain, and enhance forecasting models for originations, roll rates, losses, payment rates, prepayments, and other key credit behaviors.
• Support the Director of Finance in preparing monthly, quarterly, and annual loan performance forecasts.
• Develop financial models and business cases to evaluate marketing initiatives, credit strategies, and operational changes.
• Conduct variance analysis and prepare performance reporting for leadership, ensuring accuracy, clarity, and timeliness.
• Partner with Marketing to analyze acquisition funnel performance and evaluate ROI on campaigns and channels.
• Work with Risk and Operations to assess delinquency trends, payment behavior, customer outcomes, and operational cost drivers.
• Maintain and improve reporting tools, dashboards, and KPI tracking to enhance visibility into portfolio performance across departments.
• Provide ad hoc analysis to support strategic planning, scenario modeling, and decision-making.
• Increase efficiency and reduce turnaround time for forecasting updates and analytical requests by building scalable reporting tools and processes.
• Collaborate effectively with cross-functional stakeholders and communicate insights that support decision-making in Marketing, Credit, and Operations.
• Manage and interpret complex datasets with a high level of accuracy and attention to detail.
• Demonstrate initiative, curiosity, and a willingness to investigate performance drivers and uncover root causes.
• Prioritize multiple deadlines and operate effectively in a fast-paced environment while ensuring the quality and accuracy of financial outputs.

Qualifications

• Bachelor’s degree in finance, Economics, Mathematics, Statistics, or a related field; master’s degree preferred but not required.
• 3–5 years of experience in FP&A, credit analytics, portfolio forecasting, or financial modeling, ideally within consumer lending, fintech, banking, or another credit-driven environment.
• Experience working with loan-level datasets, credit performance metrics, or behavioral forecasting models (e.g., roll rates, loss curves, payment-rate forecasting) preferred.
• Strong analytical and financial modeling skills, with experience in consumer lending or credit analytics preferred.
• Advanced Excel skills, including complex formulas and scenario modeling.
• Experience building and maintaining three-statement financial models.
• Familiarity with SQL, Python, R, or similar analytics tools is a strong plus.
• Excellent communication and interpersonal skills, with the ability to translate technical analysis into clear insights for leaders and cross-functional teams.
• Proven ability to build scalable analytical frameworks, improve reporting processes, and enhance overall understanding of portfolio trends.

Why Work at ADF?

We offer an enriching, innovative, data driven, flexible, and empowering environment. You will work alongside a well-rounded team that is supportive, collaborative and takes the time to celebrate our successes!

As an equal opportunity employer, Applied Data Finance does not and shall not discriminate in hiring or terms and conditions of employment on the basis of an individual's race, color, religion, sex (including gender identity, sexual orientation, and pregnancy), national origin (ancestry), age, physical or mental disabilities, status as a disabled or Vietnam veteran, marital status, genetic characteristics, military status, or any other basis protected by federal, state, or local laws in any of its activities or operations. These activities include, but are not limited to, recruitment, hiring, promotion, demotion, layoff, compensation, employee benefits, work assignments, and all other terms and conditions of employment of staff, selection of volunteers and vendors, and provision of services.

Job Type: Full-time

Pay: $110,000.00 - $150,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Work Location: Remote