Senior FP&A Analyst - Monarch Money

About Us

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 is 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 passionate about helping our members reach their financial goals. AI is core to how we operate: every person uses it as a partner to sharpen judgment, move faster, and expand what's possible.

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

The Role

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.

What You'll Do

• 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.
  • Monitor spend in Ramp against plan, and maintain the renewal calendar so contract decisions happen ahead of auto-renewal.
  • 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 for greater self-serve efficiency.

What You'll Bring

• 4+ years in FP&A or corporate finance, with direct exposure to a full planning cycle.
• Advanced Excel/Google Sheets modeling skills.
• Experience navigating difficult conversations with non-finance leaders regarding budget and spend.
• Ability to make complex financial concepts simple for non-finance stakeholders.
• Proactive mindset for identifying surprises early.
• Comfort operating in ambiguous environments where processes are still being built.

Nice to Have's

• 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.

Benefits

• Work wherever you want! Fully remote company with no central office.
• Competitive cash and equity compensation in a hyper-growth, early-stage company.
• Stipend to set up your ideal working environment.
• Comprehensive benefit plans (Medical, dental, vision, and 401k).
• Unlimited PTO.
• 3-day weekend every month (First Friday off for rest and recuperation).