FP&A Lead

Fp&A Lead

We are Zip, a global Buy Now, Pay Later company providing fair and seamless solutions that simplify how millions of people pay. Our journey began in Australia, has taken us to multiple countries - and we're just getting started.

We exist to create a world where people can live fearlessly today, knowing they're in control of tomorrow. Focused on product innovation that puts people at the center, we put the financial well-being of our customers and merchant partners at the heart of everything that we do.

We're proud to be a values-led business. They guide us in everything we do - how we work together and create game-changing experiences for our customers and fellow Zipsters.

Start your adventure with Zip

As we continue to scale, execute on our strategic initiatives, and deliver exceptional experiences to our consumers, merchants, and partners, the complexity and criticality of our finance operations are rapidly increasing. This growth presents a unique opportunity for a high-performing FP&A Lead to join our team and support the financial engine of a leading BNPL lender.

In this role, you will report directly to the Director of FP&A and play a key part in driving financial insights and decision-making across TTV, Revenue, and Cost of Sales. You will collaborate closely with the broader U.S. Finance team and cross-functional stakeholders across the US business to ensure rigorous financial planning, analysis, and reporting that guides business performance and strategic execution.

In this role you will :

• Develop and maintain dynamic forecasts and scenario models for Total Transaction Value (TTV), Revenue, and Cost of Sales (CoS), incorporating key business drivers to support strategic planning, sensitivity analysis, and decision-making in a high-growth, Payments / Lending, consumer finance environment.
• Deliver timely, accurate, and actionable financial reporting and analysis to support operational and strategic decision-making, ensuring insights are aligned with key business drivers and enable cross-functional teams to track progress against objectives and identify performance improvement opportunities.
• Prepare and deliver executive-level financial reporting packages, including weekly, monthly, and quarterly dashboards that highlight performance against strategic KPIs across TTV, Revenue, and Cost of Sales.
• Collaborate with cross-functional teams including (but not limited to) Marketing, Commercial, Risk, Credit, Finance, Treasury, and accounting, operating as both a trusted and strategic business partner.
• Align financial plans with go-to-market strategies tracking acquisition performance, conversion metrics, and revenue levers to improve forecast accuracy and unit economics, consolidate business inputs and surface strategic risks and opportunities in reporting deliverables.
• Perform complex and robust financial modeling, budgeting, and forecasting to support our longer-term planning and decision making processes.

What you'll bring to the team

What you'll get in return

Zip is a place where you'll get out what you put in. The newness of our sector means we need to move at a fast pace and embrace change. Our promise to you when you join the team is that you'll feel empowered and trusted to make big things happen quickly.

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it's important to us that you make the most of the opportunities you'll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you :

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $155,000 - $180,000. This range reflects our US national compensation (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and / or equity awards, in addition to a full range of medical, financial, and / or other benefits.

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department / team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we're committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finallyget to know us

Zip Co Limited (ASX : ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We're proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.