Title: Sr. Analyst, Strategic Finance
Reports To: Sr. Manager, Strategic Finance
Location: Jersey City, NJ
The Company:
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.
The Role:
As a Senior Analyst, Strategic Finance, you will play a critical role in shaping the financial strategy of Sunbit’s credit card and Point of Sales (POS) portfolios. 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.
What you’ll own:
- Partner with business leaders to drive the month-end reporting and forecasting process, delivering accurate financial reports, variance analyses, and actionable insights to guide strategic decision-making
- Financial Modeling & Forecasting: Support the monthly, quarterly, and annual forecasting processes for the credit card business line, including revenue share, interchange fees, CECL allowance, and interest income.
- Unit Economics & LTV Modeling: Build and maintain sophisticated models to track Life-Time Value (LTV) and Customer Acquisition Cost (CAC) and unit economics for credit card users.
- Credit Performance Analysis: Partner with relevant teams to monitor delinquency rates, net charge-offs (NCOs), and provisioning (CECL) to understand their impact on the bottom line.
- Business Partnership: Partner with leaders across the customer organization and support expense planning for the credit card business and customer care business units.
- Strategic Decision Support: Evaluate new initiatives, pricing changes, and expense decisions through scenario and sensitivity analysis.
- KPI Tracking: Design and automate dashboards to monitor key metrics.
What You’ll Bring:
- 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.
- Solid understanding of balance sheet lending and consumer credit dynamics.
- Strong financial modeling skills and experience working with large data sets.
- Adept at crafting C-level narratives using Excel and PowerPoint, experience business intelligence tools is a plus.
- Demonstrated ability to support complex cross-functional projects and influence the organization.
How We Pay:
- We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership.
- We are targeting a salary of $115,000 - $140,000 per year for this role
- This role will also be granted company equity via stock options
Why Choose Sunbit?
Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.
People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.
The Perks:
- 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
Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.
Recruitment Fraud Disclaimer
We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm.
We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.
Skills Required
- Bachelor's degree in Finance, Accounting, Business, or related field
- 3-5+ years 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
- Experience with business intelligence tools
- Demonstrated ability to support complex cross-functional projects and influence the organization
- Solid understanding of balance sheet lending and consumer credit dynamics
Sunbit Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Sunbit and has not been reviewed or approved by Sunbit.
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Healthcare Strength — Feedback suggests the benefits package includes broad medical, dental, and vision coverage alongside related supports like life insurance and spending accounts. The overall offering is often described as solid by US tech/fintech norms, even when details vary by role.
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Retirement Support — Feedback suggests a 401(k) with company matching is part of the rewards package. This is positioned as a core, consistent element of the overall benefits offering.
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Leave & Time Off Breadth — Feedback suggests time-off benefits can be generous in some roles, including listings of unlimited PTO and paid holidays. At the same time, certain postings indicate a more traditional fixed PTO structure, implying variability by role type.
Sunbit Insights
What We Do
Sunbit is the preferred buy now, pay later technology of service providers and retailers fulfilling the needs of thousands of local communities. Sunbit eases the stress of buying everyday things by offering access to fast, fair and transparent payment options to people across the credit spectrum. Sunbit technology is offered in-store and online through more than 7,300 locations, including 1 in 4 auto dealership service centers, optical practices, dentist offices and specialty health care services. Payment options through Sunbit can be found at these establishments www.sunbit.com/shop-directory Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.
Why Work With Us
Sunbit technology is used to reduce the stress from daily purchases by helping shoppers realize the full potential of their buying power while providing local businesses with tools to sell easier. With experts in machine learning, retail, and financial services, we’re trailblazing new technology that helps lenders open the door to fair financing.
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