Note: The job is a remote job and is open to candidates in USA. Step is a company focused on improving the financial future of the next generation through banking and borrowing products. They are seeking a Finance & Strategy team member to partner with the CFO and lead financial modeling, analysis, and reporting to support strategic decision-making across the company.
Responsibilities
- Own and maintain Step's integrated financial model — connecting customer growth, engagement, interchange, deposits, credit, and rewards to revenue, margin, and cash — serving as the company's source of truth for the budget, forecast, and long-range plan
- Provide expert guidance, recommendations, and influence to leaders across product, marketing, credit, and go-to-market on financial strategy, investments, and resource allocation decisions, leveraging an in-depth understanding of the company's financials
- Partner cross-functionally to drive analysis, build financial models, and recommend business decisions across a variety of areas, such as pricing, unit economics, marketing spend returns, and key strategic initiatives
- Prepare and deliver clear, concise, and insightful financial reports, analyses, and forecasts, highlighting key trends, risks, and opportunities to facilitate informed decision-making for stakeholders and executives
- Collaborate with accounting counterparts and other members of the finance team as it grows, helping to align business and product strategies with broader financial considerations
- Establish and implement reporting dashboards and scorecards to track key operational and financial metrics
- Design and build AI-augmented forecasting and analysis workflows — driver-based forecasts, automated variance narratives, and scenario modeling — to make our planning faster, deeper, and more accurate
- Lead core financial planning processes, including monthly business reviews, the annual budget, rolling forecasts, and the long-range plan, and support board materials, investor updates, and fundraising analyses alongside the CFO
Skills
- 5-8+ years of experience across strategic finance, FP&A, investment banking, private equity, or management consulting, including operating experience at a high-growth technology or fintech company — you can plug in and own workstreams from week one
- Advanced financial modeling skills, with extensive experience architecting integrated operating models from scratch — and genuine enjoyment of the craft
- An obsession with accuracy — you tie out your numbers, sanity-check your outputs, and build models and analyses that executives can trust without re-checking
- Hands-on experience making AI part of how you work — you already use AI tools daily to build faster and go deeper, you've automated real pieces of your own workflow, and you have a point of view on where AI can transform forecasting and finance
- A demonstrated ability to take full ownership of a workstream and drive it independently from question to decision, without significant supervision
- The judgment and conviction to form an opinion and defend it, paired with the openness to update it as the analysis evolves
- The ability to bring structure to ambiguous problems and thrive in an unstructured, fast-moving environment
- Excellent written and verbal communication, including the ability to distill complex analysis for non-finance audiences and executives
- An enthusiastic “roll up your sleeves” mentality — you act as an owner and move with urgency
- Bachelor's degree or an equivalent combination of education, training, and experience
- Experience with credit products — understanding debt and lending economics (losses, funding, unit-level returns) and analyzing credit performance data
- Strong SQL skills and experience with Looker or similar BI tools — comfort working directly with large datasets and answering your own questions
- Knowledge of and/or experience in the banking, payments, or consumer fintech industry (interchange, deposits, rewards)
- Prior experience as an early finance hire at a growth-stage startup
Benefits
- Competitive compensation and stock options
- Generous medical, dental, vision, and company-paid life insurance
- 401k plan with Safe Harbor company matching
- A flexible vacation policy and paid company holidays
- 12 weeks paid parental leave with flexible return to work
- A company-provided technology package
Company Overview