Note: The job is a remote job and is open to candidates in USA. Step is a fintech company focused on improving the financial future of the next generation through banking and borrowing products. The Finance & Strategy team member will partner with the CFO and company leaders to own financial models, dashboards, forecasting, and strategic analysis, while supporting planning, resource allocation, pricing, product investments, and growth decisions.
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
- Stock options
- Generous medical, dental, and vision insurance
- Company-paid life insurance
- 401k plan with Safe Harbor company matching
- Flexible vacation policy
- Paid company holidays
- 12 weeks paid parental leave with flexible return to work
- Company-provided technology package
- Remote-first work arrangement
Company Overview