高级FP&A分析师
Senior FP&A Analyst
### **关于我们：**
Monarch 是一个功能强大的一站式个人理财平台，旨在让复杂的财务变得简单。自 2021 年推出以来，我们已成为用户和专家推荐的首选个人理财应用。我们的目标是让财务不再成为压力来源，让用户专注于真正重要的事情。
我们是一支务实的团队，由有经验的企业家领导，他们热衷于帮助会员实现财务目标。我们专注于打造人们喜爱的产品，并寻找每一个能让我们做得更好的优势。AI 是我们运营的核心：团队中的每个人都将其作为合作伙伴，以提升判断力、加快速度并拓展可能性。我们不寻求工具的精通，而是寻求对 AI 的熟练运用和好奇心。重要的是，AI 是你当前工作的一部分，并且你正在主动提高自己使用 AI 的标准。
作为一家完全远程的公司（甚至在新冠疫情之前），我们欢迎几乎所有地方的申请者。我们的团队主要在太平洋时间上午 9 点至下午 2 点进行同步协作，并采用异步工作方式，以便跨时区保持联系。
加入我们，共同完成简化金钱的使命。
### **职位描述：**
Monarch Money 正在寻找一位高级财务规划与分析（FP&A）分析师，以支持我们财务职能的扩展。该职位向 FP&A 首席负责人汇报，你将处于公司整个计划节奏的核心——支持年度预算和季度重新预测，维护我们的核心运营模型，并与会计团队合作进行月度报告和差异分析。
这个职位结合了深度的分析能力和实际的业务合作。你将负责在增长、产品、工程、人力和客户成功部门之间协调财务对齐，确保每个团队都按照他们理解并负责的计划运作。理想的候选人是一个亲力亲为的建设者——在流程尚未建立时也能自如应对，并能够将复杂的财务数据转化为非财务领导者可以采取行动的内容。
### **你将负责：**
- **计划与预测：**
- 支持年度预算和季度重新预测——管理日历、模板和与部门负责人及战略运营团队的工作会议，并汇总结果
- 维护并扩展我们的三表财务模型
- 支持长期规划和增长、招聘及资本决策的情景建模
- **业务合作：**
- 负责各部门的财务对齐，确保每个团队都按照他们理解并负责的计划运作
- 与各部门负责人紧密合作，提供财务洞察和建议，以支持业务决策
- 建立和优化财务流程和系统，提高效率和准确性
- **数据分析与报告：**
- 定期生成财务报告，分析关键指标，识别趋势和异常
- 与跨职能团队合作，推动数据驱动的决策
- 持续改进财务模型和预测方法，以提高准确性和可靠性
### **我们期待你具备：**
- 3 年以上财务规划与分析相关经验，有 SaaS 或金融科技行业背景者优先
- 精通 Excel 和财务建模，熟悉 SQL 或其他数据分析工具
- 具备优秀的沟通能力，能够与不同层级的团队有效协作
- 对财务和业务有深刻理解，能够从数据中提炼有价值的见解
- 有强烈的责任心和主动性，能够在快节奏的环境中高效工作
- 对 AI 技术有基本了解，并愿意探索其在财务领域的应用
### **加分项：**
- 有使用 Power BI、Tableau 或其他可视化工具的经验
- 有项目管理或流程优化经验
- 有远程工作经验，适应异步协作模式
查看英文原文
### **About Us:**
Monarch is a powerful, all-in-one personal finance platform designed to help make the complexity of finances feel simple again. Since launching in 2021, we've become the top-recommended personal finance app by users and experts. Our goal? To take the stress out of finances so our members can focus on what truly matters.
We are a team of do-ers led by experienced entrepreneurs who are passionate about helping our members reach their financial goals. We're hyper focused on building a product people love, and on finding every edge that helps us do that better. AI is core to how we operate: every person on the team uses it as a partner to sharpen judgment, move faster, and expand what's possible. We're not looking for tool mastery, we're looking for fluency and curiosity. What matters is that AI is part of how you work today and that you're actively raising your own bar on how to use it well.
As a fully remote company (even before COVID!), we welcome applicants from almost anywhere. Our team collaborates synchronously mostly from 9 AM – 2 PM PT and embraces asynchronous work to stay connected across time zones.
Join us on our mission to transform lives by **simplifying money, together.**
### **The Role:**
Monarch Money is seeking a Senior FP&A Analyst to support scaling our finance function. Reporting to the Head of FP&A, you'll be central to the planning cadence the whole company runs on — supporting the annual budget and quarterly re-forecast, maintaining our core operating model, and partnering with Accounting on monthly reporting and variance analysis.
This role blends analytical depth with real business partnership. You'll own departmental financial alignment across Growth, Product, Engineering, People, and CS, making sure every team is operating against a plan they understand and are accountable to. The ideal candidate is a hands-on builder — comfortable when the process doesn't exist yet, and able to turn complex financial data into something a non-finance leader can act on.
### **What You**' **ll Do:**
- **Planning & Forecasting:**
- Support the annual budget and quarterly re-forecast — running the calendar, templates, and working sessions with department leaders and Strategic Operations, and consolidating the result
- Maintain and extend our three statement financial model
- Support long-range planning and scenario modeling for growth, hiring, and capital decisions
- **Business Partnership:**
- Own departmental financial alignment — run a recurring review cadence with each department leader on budget, spend, and headcount against plan
- Serve as the finance approver in Zip for vendor and purchase requests — validating spend against budget before it's committed, and pushing back when it isn't covered
- Monitor spend in Ramp against plan, and maintain the renewal calendar so contract decisions happen ahead of auto-renewal rather than after
- Give department leaders visibility into their own committed and remaining budget
- Flag variances and emerging risks in-period, proactively, rather than explaining them after the fact
- Help non-finance leaders read their own numbers and connect spend to outcomes
- **Reporting & Analysis:**
- Partner with Accounting through month-end close — accruals, plan-to-actual reconciliation, and a monthly reporting package delivered on a predictable cadence
- Produce variance analysis with written commentary explaining the _why_, not just the delta
- Prepare metrics, schedules, and narrative inputs for investor updates and board reporting
- Take on ad-hoc analysis and build the decks that frame decisions for leadership
- **Systems & Automation:**
- Improve and automate recurring reporting in Aleph and Omni — less manual effort each cycle, more self-serve for the teams who need answers
### **What You**' **ll Bring:**
- 4+ years in FP&A or corporate finance, with direct exposure to a full planning cycle
- You build things other people can operate. Advanced Excel/Google Sheets modeling.
- You've had the harder conversation. You've sat with a non-finance leader whose spend diverged from plan and worked it through, rather than escalating it
- You make complex things simple. Financial concepts land with people who don't have a finance background
- You'd rather flag a surprise early than present a polished answer late
- You're comfortable when the process doesn't exist yet and would rather build it than wait for it
### **Nice to** **Have's**:
- Experience in a subscription, SaaS, or fintech business
- SQL and familiarity with BI tooling (Omni, Looker, or equivalent)
- Experience with a modern ERP (Rillet, NetSuite) or planning tool (Aleph, Pigment, Anaplan, Adaptive)
- Experience with procurement or spend management tooling (Zip, Coupa, Airbase, Navan)
- Bachelor's degree in Finance, Economics, Accounting, or a related field
### **Typical Process (May vary depending on role):**
- Recruiter Video Call
- Hiring Manager Video Call
- Take Home Case Study + Walkthrough
- Virtual Onsite Round
- Reference Checks
- Offer!
### **Benefits :**
- Work wherever you want! As a **fully** remote company with no central office, we want you to work wherever you are happiest and most productive. Whether that’s out of your home, a co-working space, or elsewhere.
- Competitive cash and equity compensation in a hyper growth, early stage company 🚀.
- Stipend to set-up your ideal working environment.
- Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan).
- Unlimited PTO.
- 3 day weekend every month! We take off the “First Friday” every month to focus on rest, recuperation, or just having fun!
### **Equal Opportunity & Non-Discrimination**
We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy and gender identity), sexual orientation, age, marital status, veteran status, disability status, or genetic information.
### **Applicant Notices**
_California & San Francisco:_ Pursuant to the California Fair Chance Act and the San Francisco Fair Chance Ordinance, qualified applicants with arrest and conviction records will be considered for employment. We comply with all applicable fair chance hiring laws.