Financial Analyst

About One

One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place.

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!

The role

As a Financial Analyst at One, you'll develop robust financial analysis and build efficient financial processes to support our business objectives.  You’ll develop forecasts and budgets, track business performance, and conduct ad hoc analysis, primarily focused on One’s banking product OneCash.  Success in this role means that finance is able to deliver timely insights to our business partners thanks to your data-driven insights, modeling skills, attention to detail, and focus on continuous improvement. 

This role is responsible for:

• Forecasting and budgeting:  

  • Building, improving, and maintaining complex Google Sheets and Excel models 

  • Gathering business inputs and developing forecasts and budgets 

  • Analyzing assumptions and outputs, providing insights about expected business trends and performance to partners & General Manager in OneCash

  • Developing crisp and clear materials for business partner and executive audiences

• Management reporting and financial analysis: 

  • Developing, building, and automating actionable management reports 

  • Coordinating variance analysis and developing materials to provide insights

  • Partnering with analytics and other finance teams for key performance tracking and analysis

• Ad hoc projects and analysis:

  • Conducting analysis and supporting business priorities including new product development, pricing and revenue strategies, and expense efficiency strategies

  • Identifying opportunities to simplify and automate processes within finance and accounting as we scale

  • Collaborating to guide important initiatives such as process improvement and standardization, system enhancements, and data governance.

You bring

• 4-8 years of relevant work experience in strategic finance, corporate finance, FP&A, banking, or related fields

• Financial services experience, particularly with consumer credit products, a plus

• Bachelor's degree in Finance, Business, Economics, Accounting, or other relevant field

• Advanced proficiency in Google Sheets and Excel 

• Strong proficiency in SQL and a strong analytical mindset and grasp of data analysis 

• Skill in written, verbal, and visual communication of data 

• Problem solving skills and business judgment to ask astute questions, design meaningful analyses, and translate output into actionable insights

• An act-like-an-owner mentality. We have a bias toward taking action.

• Fluent English

Pay Transparency

The estimated annual base salary for this position ranges from $120,000 - $145,000. Pay is generally based upon the level, complexity, responsibility, location and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience.  If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

What it’s like working @ One

• Competitive cash

• Benefits effective on day one 

• Early access to a high potential, high growth fintech

• Generous stock option packages in an early-stage startup

• Remote friendly (anywhere in the US) and office friendly - you pick the schedule

• Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave

• 401(k) plan with match

We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on May 31, 2024.

Please see the independent bias audit report covering our use of Covey here.

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.

Inclusion & Belonging

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@one.app.