Senior Financial Analyst

Founded in 2020 by a team of leaders from Braintree, PayPal, and Lending Club, Highnote is an embedded finance company that sets the standard in modern card platform management. As an all-in-one card issuer processor and program management platform, we provide digital-first organizations with the flexibility to seamlessly issue and process payment cards, embed virtual and physical card payments, and integrate ledger and wallet functionalities—empowering businesses to drive growth and profitability.

We’ve raised $145M+ and have grown our team to 125+ employees. Headquartered in San Francisco, we’ve managed to build one of the most advanced payments teams in the industry, with team members in 25+ US states. 

Operating through our core values of customer obsession, executional excellence, intentional inclusion, we’re helping businesses grow for the future by creating the payment products demanded by tomorrow, with the ability to solve for use cases that don’t exist yet.

We are fast-moving, hands-on, and strongly believe everyone deserves a seat at the table. We believe we’re unlocking incredible opportunities that can change the future of payments, as long as we have the right people to make it happen. 

We are seeking a highly analytical and detail-oriented Financial Analyst with experience in the payment industry (acquiring or/and issuing). The ideal candidate will bring strong financial modeling, data analysis, and business communication skills to support strategic decision-making. This role requires the ability to design and execute insightful analyses from end to end — identifying the right data, structuring models, and presenting findings through compelling visualizations and presentations.

• Financial Analysis & Reporting: Analyze key financial metrics, trends, and variances to support business decisions.
• Revenue & Cost Optimization: Assess acquiring/issuing financial performance, pricing models, and cost structures.
• Forecasting & Budgeting: Develop and maintain financial forecasts, budgets, and scenario analysis.
• Data Analytics: Identify and source relevant data, clean and structure datasets, and design tailored analyses to solve business problems or uncover opportunities.
• Business Partnering: Collaborate with Accounting, Operations, Sales and Marketing and Product teams to drive financial efficiency.
• Payments Industry Insights: Monitor industry trends, regulatory impacts, and competitor benchmarks.
• Ad-hoc Analysis: Support strategic initiatives, project evaluations, and investment assessments.

• Experience: 10+ years in financial analysis, with experience in payment acquiring or issuing.
• Technical Skills:
• Financial modeling expertise (3-statement models, sensitivity/scenario analysis).
• Advanced Excel (financial functions, pivot tables, lookups, Power Query/Macro, and SQL ).
• Strong PowerPoint skills for executive-ready presentations.
• Familiarity with data visualization tools like Google Data Studio, Tableau, or Power BI.
• Business Systems Experience: Comfortable working with accounting platforms such as NetSuite, SAP, or similar ERP systems with exposure to financial planning tools like Adaptive Insights, or equivalent platforms for budgeting and scenario modeling.
• Industry Knowledge: Experience working in FinTech, Payment Processors, Acquirers, or Issuers with good understanding of merchant acquiring or issuing economics.
• Analytical Thinking: Strong problem-solving skills with the ability to interpret complex financial data.
• Communication: Excellent written and verbal communication for cross-functional collaboration.
• Education: Bachelor’s degree in Finance, Economics, Accounting, or related field (MBA/CFA a plus).

• Familiarity with card networks (Visa, Mastercard), risk management, settlement, and reconciliation.
• Sufficient experience in a plus
• Comfort working in a high-growth, ambiguous, and cross-functional startup environment.

• We’re a startup that allows for our employees to truly build from the ground up and impact every layer of our organization. 
• We’re a team of payments obsessed individuals. While some of us come from the fintech world, some of us don’t. We value the varied backgrounds and the diverse perspectives of our employees. 
• We’re small on hierarchy and big on growth. We’re a flat organization that allows everyone to have direct exposure to our leadership team. We are looking for builders who thrive in ambiguity. 
• We’re backed by Oak HC/FT, Costanoa Ventures, Adams Street Partners, Westcap, and Pinegrove Venture Partners. Angel Investors include Bill Ready (CEO at Pinterest) and Renaud Laplanche (Co-Founder & CEO of Upgrade).

Highnote benefits

• Flexible Paid Time Off 
• 100% healthcare coverage + 75% coverage for dependents
• 401k program
• Paid Parental Leave: Up to 16 weeks paid leave for the birth parent, and up to 6 weeks paid leave for the non-birth parent
• Equity in Highnote
• Stipend to build out your home office; internet and phone reimbursement
• At Highnote we have built a total rewards philosophy that includes fair, equitable, geo-based compensation that is performance and potential based. Our compensation packages are competitive based on robust market research and are a combination of a cash salary, equity, and benefits. In compliance with the Equal Pay for Equal Work Act, the annual salary range for applicants is $115,000-$160,000. 

Highnote is a diverse and inclusive company committed to growing a diverse and inclusive team. We invite people from all backgrounds and identities to apply. We do not discriminate based on gender identity or expression, sexual orientation, race, religion, age, national origin, citizenship, disability, pregnancy status, veteran status, or any other characteristics protected by US federal state or local laws, or the laws of the country or jurisdiction where you work. Additionally, we encourage everyone to share which pronouns you wish for us to use when addressing you (i.e.: she/her, he/him, they/them, etc).