Senior Financial Planning & Analysis (FP&A) Analyst

Company Description

M1 Finance has created a personal wealth-building platform made for the modern era, uniting personal perspective and automated ease. We seamlessly combine free investing and low cost borrowing all in one intuitive, automated Finance Super App, and we're driven by a mission to empower personal financial well-being. We believe that financial well-being is fundamental to overall well-being, and we strive to deliver products that are simpler, smarter, and stronger than those created by our boring, entrenched, and slow-moving competitors in the personal finance industry.

Our clients have already trusted us with over $12 billion of assets, we're currently helping hundreds of thousands of people grow and manage their wealth with our industry-leading automation and tools, and we're adding thousands of new clients every day.

We're looking for passionate people who want to improve and build on what we've created and take responsibility to help others build something meaningful and sustainable for their futures.

We mean it when we say, "M1 is yours to build."

If this sounds interesting to you, read on!

Job Description

M1 is seeking a curious and data-driven Financial Planning & Analysis (FP&A) Analyst or Senior Analyst to join our Finance team. In this role, you will serve as a strategic partner to the business, bridging the gap between raw financial data and actionable business insights. You will move beyond simple reporting to help us understand why the numbers look the way they do and how we can optimize for future growth.

Whether you are assisting with the annual budgeting process, modeling the ROI of a new product launch, or tracking key metrics like AUM and user growth, your work will directly influence company strategy. This is an ideal role for a professional with 2-4 years of experience looking to accelerate their career in a high-growth fintech environment.

Key Responsibilities

The Finance team at M1 is responsible for ensuring the company grows sustainably and efficiently. As an Analyst, you will support the Director of FP&A and partner with department leads across the organization.

Duties may include, but are not limited to :

• Financial Reporting : Assist in the preparation of monthly, quarterly, and annual financial reporting packages for senior leadership, regulators, and the Board of Directors.
• Treasury & Liquidity Management : Support daily cash positioning and rolling cash flow forecasting. You will help manage working capital needs and assist in optimizing the yield on corporate cash balances.
• Budgeting & Forecasting : Support the annual planning process and monthly rolling forecasts. You will collaborate with department heads and senior business leaders to understand and forecast pro-forma revenues and expenses.
• Variance Analysis : Analyze financial performance against budget and forecasts; investigate and explain variances versus Budget to help business leaders manage their P&Ls.
• Financial Modeling : Build and maintain dynamic financial models to support decision-making (e.g., revenue modeling, cash flow projections, and unit economics analysis).
• Data & KPIs : Monitor key performance indicators specific to M1's business and help maintain data visualization dashboards.
• Process Improvement : Proactively identify opportunities to automate reporting processes and improve the accuracy and flow of financial data.

Salary band : $100,000 - $140,000 annual

Qualifications

Work Hours :

Additional Information

Our Values

Our team embodies our ten core principles and if these principles speak to you - we'd love to talk with you.

Our Perks

M1 is an equal opportunity employer and values diversity across the company. M1 does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.