Sr. Analyst, Strategic Finance

Sunbit • Jersey City, NJ

6d • $115,000 - $140,000

About The Position

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app. We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other. What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants. Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence. As a Senior Analyst, Strategic Finance, you will play a critical role in shaping the financial strategy of Sunbit’s credit card business. You will sit at the intersection of finance, product, and operations—translating complex financial data into clear insights that drive decision-making at the leadership level.

Requirements

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• 3-5+ years of experience in strategic finance, FP&A, investment banking, consulting, or private equity.
• Strong financial modeling skills and experience working with large data sets.
• Adept at crafting C-level narratives using Excel and PowerPoint.
• Demonstrated ability to support complex cross-functional projects and influence the organization.
• Solid understanding of balance sheet lending and consumer credit dynamics.

Nice To Haves

• Experience with business intelligence tools

Responsibilities

• Support the monthly, quarterly, and annual forecasting processes for the credit card business line, including revenue share, interchange fees, CECL allowance, and interest income.
• Build and maintain sophisticated models to track Life-Time Value (LTV) and Customer Acquisition Cost (CAC) and unit economics for credit card users.
• Partner with relevant teams to monitor delinquency rates, net charge-offs (NCOs), and provisioning (CECL) to understand their impact on the bottom line.
• Partner with leaders across the customer organization and support expense planning for the credit card business and customer care business units.
• Evaluate new initiatives, pricing changes, and expense decisions through scenario and sensitivity analysis.
• Design and automate dashboards to monitor key metrics.

Benefits

• Mission driven, empowered, and collaborative culture
• Competitive pay and stock options
• Unlimited PTO
• Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
• Newly added HSA and Pet Insurance
• 401(k) with company match
• Cell Phone Stipend
• Team-based strategic planning and ownership of deliverables

What This Job Offers

• Job Type: Full-time
• Career Level: Senior