FP&A Analyst

About the Role

We're looking for an FP&A Analyst to join our Finance team and help drive the financial planning, reporting, and analysis that support the company's growth and profitability goals. You'll own key financial models and reporting processes that connect operational data across the business to our revenue, spend, and performance targets. This role sits at the center of Finance, translating operational metrics into financial insight and helping leadership make smarter, faster decisions about where to invest. This role reports to the head of FP&A.

What You’ll Do

Within 3 months, you will

• Learn our company structure, systems, and monthly close/forecast calendar.

• Build core reporting (monthly variance analysis, KPI dashboards, and budget-vs-actual reviews) with support from the FP&A Lead.

• Build relationships with key stakeholders across departments and sit in on their team's planning reviews.

• Get up to speed on our current-year budget assumptions and key business drivers.

Within 6 months, you will

• Independently own a forecast cycle end-to-end, including headcount and departmental spend.

• Be a primary finance point of contact for business leaders, fielding their ad hoc requests and proactively flagging risks/opportunities in their numbers.

• Deliver your first full board or business review package section.

Within 9 months, you will

• Be fully embedded as a trusted advisor to business leadership, influencing decisions on hiring pace, budget allocation, or investment priorities.

• Lead a cross-functional analysis from scratch (e.g., new initiative economics, ROI deep-dive, or process redesign impact).

• Have implemented at least one process improvement that measurably reduces manual effort or improves forecast accuracy.

• Support pricing, unit economics, and new market or investment cases as needed.

What You’ll Bring

• 5+ years of experience in FP&A, investment banking, corporate finance, consulting, or a related analytical field, ideally at a SaaS or subscription-based company.

• Strong grasp of SaaS and business performance metrics and how they connect to overall company performance.

• Advanced Excel/Google Sheets modeling skills; experience with FP&A/EPM tools a plus.

• Familiarity with CRM or ERP systems, and comfort pulling and validating operational data.

• Excellent communication skills: able to translate financial analysis into clear, actionable recommendations for non-finance stakeholders.

• Detail-oriented with strong organizational skills; comfortable managing multiple deadlines (monthly close, forecast cycles, board prep) simultaneously.

Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

What’s In It For You?

• Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.

• Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.

• Paid Time Off: Enjoy flexible PTO days yearly for relaxation and rejuvenation.

• Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.

• Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.

• Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

• Health Coverage: Prioritize your well-being with comprehensive health and dental insurance plans.

About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt.  Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.

Clutch is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Salary Transparency

US Tier I (SF, NYC, LA, Seattle): $104,000 - $120,000

US Tier II (All Other): $93,000 - $107,000

Actual pay may vary based on qualifications, skills, experience, and location. Base salary does not include bonus, equity, or benefits, which are offered in addition as applicable.

Applications will be accepted on an ongoing basis.

Our organization participates in E-Verify. Click here [link for members] to learn about E-Verify.

A Note About AI at Clutch

We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.

That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!