Finance Analyst-Cash Application

Analyst, Strategic Finance
Reports To:
Sr. Manager, Strategic Finance
Location:
Jersey City, NJ (Hybrid, In-office 3 days a week)
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.

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.

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 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.

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.
~ 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.
~ Previous or current investment banking experience highly preferred
~ 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.

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. This role will also be granted company equity via stock options
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.

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.

Competitive pay and stock options
~ Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
~ Cell Phone Stipend
~ Recruitment Fraud Disclaimer com email address, through our applicant tracking platform @sunbit.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. com only about potential instances of fraud. 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 hr@sunbit.com directly, and your email about your application will be deleted from our systems.