The Petal mission

Petal’s mission is to bring financial opportunity and innovation to everyone. 

We're pioneering a new approach to credit, enabling Petal Card* applicants to leverage their banking history, in addition to their credit history, to establish their creditworthiness. Our proprietary Cash Scoring technology takes applicants’ income, spending, and savings into account and is helping traditionally underserved consumers across the United States access honest, simple and responsible credit, even if they’ve never had it before. 

We bring the same ingenuity to Petal Card products. Our simple and intuitive app gives members access to credit score tracking, budgeting tools, subscription management, and automated payment options—everything they need to make financial progress. 

Now more than ever, Americans need help improving their credit safely, responsibly, and affordably. If this sounds like something you’d like to be a part of, apply now, and let’s change this trillion-dollar industry together. 

At Petal, we're looking for people with kindness, positivity, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and potential will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Petal, we welcome diverse perspectives from people who think rigorously and aren't afraid to challenge assumptions.

*Petal Cards are issued by WebBank, Member FDIC

The Financial Analyst Role

Petal is growing rapidly and we are seeking a Financial Analyst to be involved in running the day-to-day financial operations to help support the business in accomplishing its mission. This can mean analyzing trends, ensuring the integrity of data, managing the financial needs of the company to scale efficiently and effectively and more! We are looking for someone who is passionate, detail-oriented, organized and works well both independently and with stakeholders to join our growing team.

Key responsibilities:

• Support monthly close process to ensure accurate and transparent representation of financial results
• Analyze monthly/quarterly/annual financial results and prepare variance analyses
• Prepare financials and reporting packages for multiple stakeholders including our leadership team, investors, and board of directors
• Assist with Accounts Payable and Treasury functions
• Provide support to external auditors on the annual financial audit 
• Assist external technical accountants with analysis regarding Revenue Recognition, Allowance for Loan and Lease Losses, Debt Modifications, etc.
• Ensure controls are operating effectively and work with team to implement improvements
• Support developing and maintaining financial models to support effective planning, analysis, and decision making
• Develop reports that help our various departments measure performance and explain variances to expectations
• Participate in ad-hoc accounting and finance projects

Characteristics of a successful candidate:

• 2+ years of relevant accounting/finance experience
• Bachelor’s degree in Accounting, Finance, or related field
• Organized and able to efficiently prioritize, multi-task, and adapt in a fast-paced, often ambiguous environment; ability to meet deadlines
• Capacity to function independently in a self-directed environment
• Detail-oriented, but capable of seeing the big picture
• Ability to analyze data and draw conclusions
• Ability to identify and implement process improvements
• Motivation to develop and maintain internal and external relationships
• Strong interpersonal and communication skills
• Advanced proficiency in financial modeling, Microsoft Excel, and PowerPoint
• Experience working at a fintech or start-up preferred

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