About the RoleThe Finance Manager will support Happen Bank's Personal Loans business through forecasting, financial planning, performance analysis, and strategic decision support in a highly cross-functional environment. This role plays an important part in helping the business make informed, data-driven decisions by delivering clear financial insights, supporting ongoing forecast and planning cycles, and improving reporting and analytics capabilities. You will work closely with partners across Corporate FP&A, Accounting, Business Operations, and Credit Analytics to drive business performance and operational efficiency.
What You'll Do- Lead balance sheet and P&L forecasting, portfolio performance analysis, and return analytics across the Personal Loans loan portfolio
- Contribute to weekly forecast refreshes to provide clear visibility into risks and opportunities relative to plan and help inform finance and business decision-making
- Lead annual budgeting and quarterly planning activities across the Personal Loans business
- Build and maintain financial models to support forecasting, profitability analysis, valuation assessments, and strategic decision-making
- Perform variance analysis and support monthly and quarterly reporting processes
- Identify opportunities to create, improve, and scale financial processes, reporting workflows, and modeling approaches to drive efficiency and accuracy across the finance function
About You- 4+ years of experience in FP&A, Finance, Investment Banking, Accounting, or related roles; bachelor's degree or higher, or equivalent combination of education and experience
- Strong financial modeling and analytical skills, including forecasting and valuation concepts such as discounted cash flow (DCF) analysis
- Ability to interpret financial and operational data and connect insights to business outcomes and decision-making
- Ability to manage multiple priorities and complete projects in a structured, timely manner
- Clear written and verbal communication skills, with experience presenting analyses and recommendations to partners across different levels and functions
- Experience with Excel, PowerPoint, Tableau, and SQL
Nice to Have- Experience supporting consumer lending, personal loans, fixed income, or broader banking products
- Exposure to balance sheet analytics, profitability reporting, or strategic finance initiatives
- Experience with Anaplan or similar planning tools
- Experience using Python for financial analysis, automation, or reporting workflows
Work Location San Francisco
The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role's team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role's success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.
Time Zone Requirements Local hours (PT)
While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
Travel Requirements As needed travel to Happen Bank offices and/or other locations, as needed.
Compensation The target base salary range for this position is 109,000-125,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).
We're creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.
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