Financial Analyst

Job Title: Financial Analyst 

Location: NYC (4 days in office and 1 day virtual)

Compensation: $60,000 - $70,000 per year + bonus
What is Reach Financial?
Reach Financial is a FinTech platform helping people outsmart debt for good. 

We are building innovative products and best-in-class support that enable our customers to take control of their debt and de-mystify their personal finances. Our products and tools empower our customers to turn their financial goals into a reality.

Reach Financial launched in 2015 and has helped our customers pay off over $3.5 billion in debt. We offer debt settlement loans and personal loans; together, these markets represent a $1.5T opportunity. In time, we will expand beyond these products to offer solutions for a variety of our customers' personal finance challenges.

We are a fast-growing and fast-paced FinTech startup with the stability of an established firm. You will have a front-row seat at a rapidly growing company innovating the FinTech industry.

About the role:
This is an early-career opportunity designed for recent graduates or candidates with 0–2 years of experience who are interested in building a career in fintech, finance, and capital markets.

As a Financial Analyst, you will work closely with our Capital Markets and Finance & Accounting teams, gaining exposure to how a consumer lending business operates, from financial reporting and forecasting to structured finance and investor reporting.

You will start by supporting key processes and analyses, with the opportunity to take on increasing ownership as you develop in the role.

What you’ll do:

• Support analysis company performance, financial metrics and liquidity.
• Assist in preparing monthly investor and internal presentations consisting of financial and asset performance reporting.
• Help prepare daily and monthly borrowing and reporting deliverables related to the company’s credit facilities.
• Support monthly investor reporting for securitization transactions.
• Retrieve data and conduct data driven analytics utilizing various analytical tools, software and techniques.
• Create and prepare sensitivity analysis for all covenants and triggers.
• Seek automation in processes to assist in building the scalable financial capabilities needed to support the rapid growth of the company.
• Assist in the creation of and refresh of budget forecasts.
• Coordinate loan verification and other third-party processes by corresponding as the liaison between the company, our credit facility provider, and our third-party vendors.
• Support month-end close activities.

What you should have:

• Bachelor’s Degree in Finance, Accounting, Economics or other quantitative related fields
• 0-2 years of experience (internships or relevant coursework)
• Strong Excel skills and comfort working with data
• Clear communication and the ability to present findings
• Analytical mindset with strong attention to detail
• Eagerness to learn and grow in a fast-paced environment

Strongly Preferred:

• Exposure to SQL and Tableau

What You’ll Gain

• Hands-on experience across FP&A, capital markets, and financial reporting
• Exposure to structured finance and investor-facing work
• Opportunity to learn directly from experienced finance leaders
• A clear path to grow into more advanced analytical and ownership responsibilities

What is it like working at Reach Financial? 

Our culture is built around advancing our teams, and we are dedicated to the success and growth of every team member. We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning. Our generous benefits packages reflect that.

We’ve been hard at work perfecting our product for years, and now we’re growing faster than ever before. Our strong foundation and company culture is readily equipped for this growth, and we believe that with the right people, our products will continue to help customers make real changes in their financial lives.

What benefits will you receive?

• Healthcare, Life Insurance, 401k Match
• Paid Time Off, Paid 12-week Parental Leave
• Disability (short-term, long-term), Employee Assistance Program
• Spending Accounts (Transit/Parking, Medical, Dependent Care)

Reach Financial is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Reach Financial makes hiring decisions based solely on qualifications, merit, and business needs at the time