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Director of FP&A
Director of FP&AHappy Money • Torrance, CA, US
Director of FP&A

Director of FP&A

Happy Money • Torrance, CA, US
1 day ago
Job type
  • Full-time
Job description

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. Through its proprietary lending platform, Hive, 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.

Happy Money's end-to-end loan origination and participation programs provide partners with turnkey access to high-performing assets, underpinned by disciplined credit expertise and robust risk management. Together with its lending partners, Happy Money has originated more than $6.5 billion in loans to help over 350,000 people take greater control of their financial futures. Learn more at happymoney.com.

ABOUT THE ROLE

Happy Money is seeking a strategic, data fluent Director of FP&A to own companywide planning, performance management and to serve as the finance partner to leaders across the Company. You will translate strategy into numbers, build and evolve our planning stack, and deliver insight that sharpens pricing, channel allocation, credit strategy, and capital decisions. This role will report to the CFO and lead a growing team that operates as the company's engine for financial clarity and action.

RESPONSIBILITIES

Financial Ownership and Planning

  • Own the P&L forecast cycles, and long-range planning.
  • Build integrated, driver-based financial models across originations, pricing, and funding.
  • Run scenario and sensitivity to assess pricing, credit, CAC, and capital impacts.
  • Deliver probabilistic forecasts that quantify variance risk and communicate upside and downside cases with clear drivers.

Performance Management and Reporting

  • Own monthly reporting including KPI packs, variance analysis, cohort and vintage performance, contribution margins, and liquidity outlook.
  • Establish accountability rhythms across Marketing, Sales, and Operations.
  • Partner with Accounting on close, flux reviews, and forecast to actual reconciliations to ensure data integrity.

    • Business Partnering and Decision Support

  • Develop analyses for new products, pricing tests, policy changes, and investments.
  • Partner with Product, Operations, and Risk to align models to inform business strategy.
  • Partner with Capital Markets on funding, liquidity, and scenario modeling and planning.

    • Expense Management & Vendor Oversight

  • Own companywide expense planning and drive accountability to budgets and margin improvement.
  • Partner with leaders on vendor selection, contracts, and spend optimization.
  • Track savings and embed ROI-focused decision-making into approvals and forecasts.

    • Tools, Data, and Automation

  • Enhance FP&A reporting and data infrastructure, using SQL or Python for large datasets, and partnering with BI team on reliable pipelines and metrics
  • Introduce forecasting and planning software where appropriate to drive automation

    • Corporate Deliverables and External Facing Work

  • Lead Board package, ELT, and investor reporting with clear narratives and visuals
  • Support capital raises, M&A modeling and integration planning.

    • Leadership and Team

  • Lead, develop and scale a lean FP&A team
  • Establish clear objectives, operating cadences, and quality standards for forecasting, modeling, and reporting to ensure consistency, accuracy, and actionable insight.
  • Foster a culture of curiosity, precision, and partnership across Finance and the business.

    • ABOUT YOU

  • 10 plus 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 three statement financial modeling, ability to build models from first principles, and to pressure test assumptions with data.
  • Deep understanding of lending unit economics, cohort analysis, loss curves, funding structures, contribution margins, and CAC dynamics.
  • Comfortable working across complex datasets, highly competent in Excel or Google Sheets, and proficient with BI tools such as Tableau.
  • Hands on with SQL or a scripting language such as Python or R, or willing to learn quickly, to unblock analyses and improve repeatability.
  • Excellent communication and executive presentation skills. You can turn complexity into a concise narrative with recommendations and tradeoffs.
  • Proven experience building and leading teams, including managers, and raising the bar on analytical rigor and business partnership.

    • BENEFITS & PERKS

  • 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, including familiarity with forward flows, warehouses, securitization, and investor reporting.
  • MBA or equivalent experience.

    • Base Salary Range

    $170,000—$200,000 USD

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