Job Title: Senior Financial Analyst, Finance & Strategy Location: Payactiv's Milpitas, CA headquarters
Reports to: Senior Finance Manager Who we are… We are Payactiv, a FinTech company in the heart of Silicon Valley, devoted to giving workers access to their earned wages when they need them. Payactiv is the pioneer and industry leader in Earned Wage Access. We are the only Certified B Corporation and Public Benefit Corporation in our industry. Our app provides millions with financial services that help them avoid debt, manage their finances, and regain flexibility to pay for things on their own schedule. Payactiv is seeking an experienced Senior Financial Analyst to be the analytical lead for a multi-million-dollar business partnership. This role requires a sharp analytical mindset, strong hands-on technical skills, and excellent communication skills including the ability to engage directly with clients. The ideal candidate will drive both short- and long-term initiatives to improve collections and lower loss rates, lead process improvements and an international finance operations team, and operate effectively in a high-visibility environment. This position reports to the Senior Finance Manager and is based in our Milpitas, CA office. What you will do… Highly Analytical & Data-Driven Approach - Leverage large and complex data sets to analyze business trends, loss drivers, and performance metrics, generating actionable insights that improve both top-line and bottom-line results
- Translate analytical insights into new or enhanced tools, processes, and operating strategies that deliver measurable business impact
Communication & Client Engagement - Communicate clearly and effectively to a wide range of audiences, including executives, cross-functional partners, and external clients
- Engage directly with clients to explain our product, address any concerns, and recoup any outstanding amounts
Internal Process Improvement & Operational Efficiency - Design, implement, and continuously improve scalable processes and internal controls to manage an ecosystem of tens of thousands of individual accounts, maximizing revenue while minimizing uncollected balances
- Drive operational efficiency through automation and technology, enabling the team to effectively manage volume, complexity, and growth
- Work closely with Product and Engineering teams to build, enhance, and integrate new tools and systems within Payactiv’s broader platform and ecosystem
Team Leadership & Strategic Collaboration - Lead, develop, and scale an international finance operations team of 5+ professionals focused on improving collections performance and reducing loss rates for Payactiv disbursements
- Partner closely with cross-functional leaders across Business, FP&A, Customer Success, Product, and Engineering to support and advance high-impact business initiatives
What you need… - Bachelor’s degree in Finance, Economics, Data Science or a related field
- An advanced degree (MBA, Engineering, Data Science) is a plus
- 4+ years of Finance, Strategy, Operations or Analytics experience; experience in fintech, payments, lending, or credit and collections is a plus
- Strong communication and interpersonal skills when interacting with partners and various stakeholders
- Ability to manage, prioritize, and deliver multiple concurrent initiatives in a fast-paced environment while meeting deadlines
- Power user in Excel, SQL, and Python (pandas); experience with a cloud data warehouse (e.g., Snowflake) is a plus
- Expertise in analyzing large datasets and generating actionable insights
What we offer… - Company sponsored Health, Dental, and Vision insurance
- 401K, traditional, and Roth with a company match
- Tuition Assistance or Tuition Reimbursement
- Unlimited Paid Time off
- Monthly Gym Reimbursement
- Paid time off to volunteer
- Paid Family Leave
- Complimentary office lunches
- A path to grow into a Finance & Strategy leadership role as the function scales
- Opportunity to work with a great team committed to making a difference.
- Salary range $125k to $145k + Bonus
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