Sr. Analyst, FP&A - Credit Card


San Carlos, CA, US
  • Job Type: Full-Time
  • Function: Accounting/Finance
  • Post Date: 02/08/2021
  • Website:
  • Company Address: 1600 Seaport blvd, Redwood City, CA, 94063

About Oportun

At Oportun, we want to see you succeed. From personal loans to financial resources, we have the tools to help get you through life's ups and downs.

Our mission-based, technology-powered approach is designed to be inclusive, affordable, and empowering. By lending money to hardworking, low-to-moderate-income individuals, we help our customers move forward in their lives, demonstrate their creditworthiness, and help establish the credit history they need to access new opportunities.

Job Description



Based in Silicon Valley, Oportun (Nasdaq:OPRT) is dedicated to financial inclusion for the estimated 100 million people in the U.S. who are shut out of the financial mainstream because they don’t have a credit score or have been mis-scored by a traditional credit bureau. As a Community Development Financial Institution (CDFI), Oportun’s mission is to provide inclusive, affordable financial services that empower its customers to build a better future.

Since our first loan in 2006, Oportun has made over 3.8 million loans totaling over $9 billion to customers across 12 states. Oportun’s customers have saved an estimated $1.7 billion in interest and fees compared to the alternatives typically available to them. Oportun has helped more than 860,000 people establish a credit history for the first time.

Oportun was named one of Fast Company’s Most Innovative Companies in the World for 2020, a TIME Magazine 2018 Genius Company in recognition of its impact in helping to reinvent the future of lending. Oportun was recently named one of the Top Workplaces for 2019 and 2020 by the Bay Area News Group and recognized as the Best Consumer Lending Product by FinTech Breakthrough. Oportun previously made several fastest-growing lists, including Inc. 5000’s Fastest-Growing Private Companies in America and the San Francisco Business Times’ Fastest Growing Private Companies.


The Senior Financial Analyst will play a highly visible and key role in providing critical financial consultation to leaders across the business.  S/He will support all aspects of financial planning, P&L review, and other complex financial analyses required to profitably and responsibly grow the business.


Financial Management:

    Financial reporting and analysis, including budgeting, forecasting, variance analysis, financial reporting, and Profit & Loss (P&L) management
    Coordinate and collect input data from different departments, check data integrity, summarize and convert data, run models, verify, analyze, and communicate output data
    Assist in development of presentations to communicate analysis results to senior audiences, clearly articulate outcomes of analysis to leadership teams
    Assist in developing industry-accepted methodology and calculations for periodic fair value calculations of the portfolio
    Ad-hoc requests and special reports

Financial Modeling:

    Design, test, validate and implement changes in various models and systems, based on external business requirements and internal modeling needs
    Cross-functionally collaborate to gain and maintian an in-depth understanding of the business in order to identify necessary updates to the model
    Develop credit card payment forecast model
    Support the development of a well-controlled framework to manage financial modeling
    Maintain the efficiency and accuracy of our models through routine back-testing and application of best practices for continuous improvement


    Bachelor’s Degree in Business, Economics, Finance, Accounting or other analytical discipline
    3+ years of experience in a finance, analytical or operational role, preferably in the financial services industry
    Exceptional organizational and communications skills
    Ability to think creatively, highly-driven and self-motivated
    Capacity to learn quickly and execute accurately
    Excellent Microsoft Excel skills (creating models and using advanced formulas, pivot tables)
    Strong PowerPoint and executive presentation skills
    Superior problem solving and analytical skills with the ability to maintain the highest standard of integrity, accuracy and precision
    Smart, dedicated, compassionate, hungry, fun, and generally awesome personality

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Disclaimer: Local Candidates Only
This company does NOT accept candidates from outside recruiting firms. Agency contacts are not welcome.