Senior FP&A Analyst

Monarch is a powerful, all-in-one personal finance platform designed to help make the complexity of finances feel simple again. Since launching in 2021, we've become the top-recommended personal finance app by users and experts. Our goal? To take the stress out of finances so our members can focus on what truly matters.

We are a team of do-ers led by experienced entrepreneurs who are passionate about helping our members reach their financial goals. We're hyper focused on building a product people love, and on finding every edge that helps us do that better. AI is core to how we operate: every person on the team uses it as a partner to sharpen judgment, move faster, and expand what's possible. We're not looking for tool mastery, we're looking for fluency and curiosity. What matters is that AI is part of how you work today and that you're actively raising your own bar on how to use it well.

As a fully remote company (even before COVID!), we welcome applicants from almost anywhere. Our team collaborates synchronously mostly from 9 AM – 2 PM PT and embraces asynchronous work to stay connected across time zones.

Join us on our mission to transform lives by simplifying money, together.

Monarch Money is seeking a Senior FP&A Analyst to support scaling our finance function. Reporting to the Head of FP&A, you'll be central to the planning cadence the whole company runs on — supporting the annual budget and quarterly re-forecast, maintaining our core operating model, and partnering with Accounting on monthly reporting and variance analysis.

This role blends analytical depth with real business partnership. You'll own departmental financial alignment across Growth, Product, Engineering, People, and CS, making sure every team is operating against a plan they understand and are accountable to. The ideal candidate is a hands-on builder — comfortable when the process doesn't exist yet, and able to turn complex financial data into something a non-finance leader can act on.

• Planning & Forecasting:

  • Support the annual budget and quarterly re-forecast — running the calendar, templates, and working sessions with department leaders and Strategic Operations, and consolidating the result

  • Maintain and extend our three statement financial model

  • Support long-range planning and scenario modeling for growth, hiring, and capital decisions

• Business Partnership:

  • Own departmental financial alignment — run a recurring review cadence with each department leader on budget, spend, and headcount against plan

  • Serve as the finance approver in Zip for vendor and purchase requests — validating spend against budget before it's committed, and pushing back when it isn't covered

  • Monitor spend in Ramp against plan, and maintain the renewal calendar so contract decisions happen ahead of auto-renewal rather than after

  • Give department leaders visibility into their own committed and remaining budget

  • Flag variances and emerging risks in-period, proactively, rather than explaining them after the fact

  • Help non-finance leaders read their own numbers and connect spend to outcomes

• Reporting & Analysis:

  • Partner with Accounting through month-end close — accruals, plan-to-actual reconciliation, and a monthly reporting package delivered on a predictable cadence

  • Produce variance analysis with written commentary explaining the why, not just the delta

  • Prepare metrics, schedules, and narrative inputs for investor updates and board reporting

  • Take on ad-hoc analysis and build the decks that frame decisions for leadership

• Systems & Automation:

  • Improve and automate recurring reporting in Aleph and Omni — less manual effort each cycle, more self-serve for the teams who need answers

• 4+ years in FP&A or corporate finance, with direct exposure to a full planning cycle

• You build things other people can operate. Advanced Excel/Google Sheets modeling.

• You've had the harder conversation. You've sat with a non-finance leader whose spend diverged from plan and worked it through, rather than escalating it

• You make complex things simple. Financial concepts land with people who don't have a finance background

• You'd rather flag a surprise early than present a polished answer late

• You're comfortable when the process doesn't exist yet and would rather build it than wait for it

• Experience in a subscription, SaaS, or fintech business

• SQL and familiarity with BI tooling (Omni, Looker, or equivalent)

• Experience with a modern ERP (Rillet, NetSuite) or planning tool (Aleph, Pigment, Anaplan, Adaptive)

• Experience with procurement or spend management tooling (Zip, Coupa, Airbase, Navan)

• Bachelor's degree in Finance, Economics, Accounting, or a related field

• Recruiter Video Call

• Hiring Manager Video Call

• Take Home Case Study + Walkthrough

• Virtual Onsite Round

• Reference Checks

• Offer!

#LI-DNI

• Work wherever you want! As a fully remote company with no central office, we want you to work wherever you are happiest and most productive. Whether that’s out of your home, a co-working space, or elsewhere.

• Competitive cash and equity compensation in a hyper growth, early stage company 🚀.

• Stipend to set-up your ideal working environment.

• Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan).

• Unlimited PTO.

• 3 day weekend every month! We take off the “First Friday” every month to focus on rest, recuperation, or just having fun!

We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy and gender identity), sexual orientation, age, marital status, veteran status, disability status, or genetic information.

California & San Francisco: Pursuant to the California Fair Chance Act and the San Francisco Fair Chance Ordinance, qualified applicants with arrest and conviction records will be considered for employment. We comply with all applicable fair chance hiring laws.