Director of FP&A Job Description Job Description About Happy Money Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions. Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks, and asset managers diversify balance sheets and scale with confidence. The company has originated over $6.5 billion in loans to help nearly 350,000 people take greater control of their financial futures. About the Role Happy Money is seeking a strategic, data fluent Director of FP&A to own companywide planning, performance management, and serve as the finance partner to leaders across the Company. The role involves translating strategy into numbers, building and evolving the planning stack, and delivering insights that sharpen pricing, channel allocation, credit strategy, and capital decisions. The role reports to the CFO and leads a growing team. Responsibilities Financial Ownership and Planning: Own P&L forecast cycles and long-range planning, build integrated financial models, run scenario analysis, deliver probabilistic forecasts, and own companywide expense planning. Performance Management and Reporting: Own monthly reporting, variance analysis, cohort and vintage performance, contribution margins, and liquidity outlook, establish accountability rhythms, and partner with Accounting on close and forecast reconciliations. Business Partnering and Decision Support: Develop analyses for new products, pricing tests, policy changes, and investments, partner with Product, Operations, and Risk, and with Capital Markets on funding and liquidity. Expense Management & Vendor Oversight: Own companywide expense planning, drive accountability to budgets and margin improvement, partner with leaders on vendor selection and spend optimization, and track savings. Tools, Data, and Automation: Enhance FP&A reporting and data infrastructure, use SQL or Python for large datasets, partner with BI team, introduce forecasting and planning software. Corporate Deliverables and External Facing Work: Lead Board package, ELT, and investor reporting, support capital raises, M&A modeling, and integration planning. Leadership and Team Lead: Develop and scale a lean FP&A team, establish objectives, operating cadences, and quality standards, foster a culture of curiosity, precision, and partnership. About You Minimum of 10 years in FP&A or Strategic Finance in fintech or adjacent financial services, with progressive scope owning P&Ls, leading forecasting cycles, and partnering with executives. Mastery of financial modeling, ability to build models from first principles, deep understanding of lending unit economics, comfortable working across complex datasets, proficient with BI tools, hands-on with SQL or a scripting language, excellent communication and executive presentation skills, proven experience building and leading teams. Bonus Points Experience with NetSuite or equivalent accounting system. Experience with planning tools such as Adaptive, Anaplan, or Hyperion. Prior consumer marketplace lending or unsecured installment lending experience. MBA or equivalent experience. Benefits & Perks Generous medical, dental, and vision insurance options. Eligible for Annual Bonus and Long-Term Incentives. 401k Plan with a matching contribution. Generous PTO including sick leave, vacation, volunteer, and more. 12 Weeks Paid Parental Leave. Company-paid short & long term disability and life insurance. Monthly tech stipend to help cover expenses for remote work. Happy Money is a 100% fully distributed workforce. Base Salary Range: $170,000 - $200,000 USD.