VP, Strategic Finance & FP&A

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include debt consolidation, personal loans, home equity loans, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers. The fintech industry is large and growing. Over $11T in home equity is sitting untapped across US homeowners - most haven’t borrowed against it yet, while personal loan balances just hit a record $276Bn from four years in a row of growth, with no signs of slowing. Consumers continue to face mounting debt. Credit card delinquencies are up 38%, leading to more demand for debt relief services. Achieve continues to support members and meet them wherever they are on their journey. Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $57B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $16Bn in personal and home loans originations. The Opportunity: Join us and help everyday people go from surviving to thriving with innovative digital personal finance solutions. This role connects day-to-day business performance with enterprise strategy and long-term value creation. This is a builder-operator role: you will take work from ideation through execution, whether a strategic initiative, a model rebuild, or a new planning process. The Role: Achieve is seeking a builder-operator to serve as the VP, Strategic Finance & FP&A. Reporting directly to the Chief Financial Officer, you will own how Achieve plans, measures, and decides: turning strategy into plans, plans into forecasts, and results into decisions. You will partner with the senior leadership team and work closely with Capital Markets to tie operating performance to funding and enterprise value. Overview of Key Responsibilities: 1. Planning & Performance Management Own the planning and performance cycle for Achieve enterprise and its business units (Freedom Debt Relief and Achieve Lending), ensuring budgets, forecasts, and results tell a consistent story. Lead driver-based forecasting across volume, unit economics, credit, funding costs, and operating leverage. Run monthly business reviews with variance narratives, and modernize planning, modeling, and reporting systems to maintain data quality and a single source of truth. 2. Lead Strategic Finance & Value Creation Translate strategy into funded, measurable initiatives and provide analysis for key growth decisions. Own strategic initiatives end to end, frame growth pathways for leadership and the board, evaluate M&A, partnerships, and product unit economics, and perform scenario and stress testing with Capital Markets. 3. Deliver Executive, Board & Investor Reporting Serve as the primary source for reporting performance to the board, lenders, and investors. Prepare board materials, KPI frameworks, and executive dashboards; manage covenant tracking across debt facilities; and support audit and 409A valuation processes. 4. Partner on Funding, Liquidity & Treasury Partner with Capital Markets and Accounting on funding and capital items, including loan sales, ABS transactions, and liquidity planning. Direct day-to-day treasury operations, including cash management and warehouse line planning. 5. Build the Team & Cross-Functional Operating Model Build, lead, and mentor FP&A and strategic finance talent while establishing operating rhythms that align strategy and execution. Collaborate across functions to hold teams accountable on ROI and budgets, partner with Accounting on close and financial views, and establish model governance standards. What You’ll Bring: - 10+ Years of Senior Experience: FP&A, strategic finance, corporate development, investment banking, or private equity, including 4+ years leading teams. - Industry Experience: Scaled fintech, consumer lender, or financial services experience involving lending, payments, or similar, with command of consumer credit economics. - Educational Background: Bachelor's degree in Finance, Economics, Accounting, or a related field. An MBA, CFA, or CPA is preferred.Technical & Leadership Competencies - Advanced Modeler: Advanced financial modeling, Excel/Sheets, and fluency with SQL and BI tools; Working knowledge of GAAP as it affects forecasting, including CECL, fair value, and gain-on-sale. - Strategic Thinker: Strong foundation in corporate strategy, valuation, and enterprise modeling, connecting business performance to enterprise value. Familiarity with capital markets, warehouse, and securitization structures, and how they shape financial planning, is a strong plus. - Executive Communicator: Executive presence and a track record of communicating with senior executives, boards, and investors; able to influence both internal operators and external partners. - Builder Mindset: High horsepower, low ego; thrives in ambiguity and builds structure where none exists.Achieve Leader Model Expectations (VP  Level) In accordance with Achieve’s Lead Forward Rubric, this VP position requires demonstrated excellence across four foundational leadership pillars: 1. Trusted, Steady Leadership Maintains composure during routine challenges and builds trust across direct teams and functional partners. Understands key stakeholders' needs, builds productive relationships across functions, and works collaboratively to align shared priorities. 2. Focused & Agile Defines clear functional priorities and translates changes into meaningful context and direction for leaders. Responds to questions and resistance as they arise. Moves the function forward with incomplete information, making reasonable decisions and adjusting as new details emerge. 3. Own the Outcome Holds self and direct reports accountable for results and addresses performance issues when they arise. Ensures standards are understood across teams. Evaluates execution through a systems lens, establishing regular operating reviews, clear cross-team ownership boundaries, and repeatable processes so core delivery remains stable without relying on crisis management 4. Grow People & Capability Supports development initiatives, actively sponsors talent, and establishes functional succession plans. Builds capability across teams to ensure reliable bench strength for critical roles. 5. Lead Beyond the Walls Maintains professional relationships with external partners and stakeholders. Represents the function effectively in most interactions. Supports business needs through external engagement. Limited strategic leverage from relationships. External contributions are steady but not differentiated. 6. Design for 10x Implements systems and processes that support current operations effectively. Addresses issues as they arise and improves efficiency incrementally. May not consistently anticipate future scaling challenges. Infrastructure is functional but may require enhancement to support growth. Execution is stable. 7. Act Like an Owner Understands key financial drivers within the function, including revenue, cost, and efficiency metrics. Connects strategy to financial outcomes at a functional level. Makes reasonable tradeoffs but may not always optimize for enterprise impact. Uses Finance as a partner for deeper insights and forecasting. Delivers consistent but not differentiated financial performance.   Achieve well-being with: - Hybrid and remote work opportunities - 401 (k) with employer match - Medical, dental, and vision with HSA and FSA options   - Competitive vacation and sick time off, as well as dedicated volunteer days - Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts - Up to $5,250 paid back to you on eligible education expenses - Pet care discounts for your furry family members - Financial support in times of hardship with our Achieve Care Fund - A safe place to connect and a commitment to diversity and inclusion through our six employee resource groupsNote: We will be unable to facilitate H1-B Visa transfer or sponsorship, along with STEM-OPT Visa. Work from home/hybrid: We are proudly offering hybrid options in the San Francisco, CA and Phoenix, AZ metro markets. Hiring remotely in selected locations throughout PST, MST, CST. Salary Range: $275,000 to $300,000 salary + bonus + benefits. This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors. Join Achieve, change the future. At Achieve, we’re changing millions of lives. From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first. Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.