Senior Financial Planning & Analysis (FP&A) Analyst

• • Full-time
• Department: Finance & Accounting
• Reports To: Director of Finance
• Industry: Financial Services
• Employment Type: Full-time
• Compensation: USD100,000 - USD140,000 - yearly

Company Description

M1 Finance has created a personal wealth-building platform made for the modern era, uniting personal perspective and automated ease. We seamlessly combine free investing and low cost borrowing all in one intuitive, automated Finance Super App, and we’re driven by a mission to empower personal financial well-being. We believe that financial well-being is fundamental to overall well-being, and we strive to deliver products that are simpler, smarter, and stronger than those created by our boring, entrenched, and slow-moving competitors in the personal finance industry.

Our clients have already trusted us with over $12 billion of assets, we’re currently helping hundreds of thousands of people grow and manage their wealth with our industry-leading automation and tools, and we’re adding thousands of new clients every day.

We’re looking for passionate people who want to improve and build on what we’ve created and take responsibility to help others build something meaningful and sustainable for their futures.

We mean it when we say, “M1 is yours to build.”

If this sounds interesting to you, read on!

Job Description

M1 is seeking a curious and data-driven Financial Planning & Analysis (FP&A) Analyst or Senior Analyst to join our Finance team. In this role, you will serve as a strategic partner to the business, bridging the gap between raw financial data and actionable business insights. You will move beyond simple reporting to help us understand why the numbers look the way they do and how we can optimize for future growth.

Whether you are assisting with the annual budgeting process, modeling the ROI of a new product launch, or tracking key metrics like AUM and user growth, your work will directly influence company strategy. This is an ideal role for a professional with 2–4 years of experience looking to accelerate their career in a high-growth fintech environment.

Key Responsibilities:

The Finance team at M1 is responsible for ensuring the company grows sustainably and efficiently. As an Analyst, you will support the Director of FP&A and partner with department leads across the organization.

Duties may include, but are not limited to:

• Financial Reporting: Assist in the preparation of monthly, quarterly, and annual financial reporting packages for senior leadership, regulators, and the Board of Directors.

• Treasury & Liquidity Management: Support daily cash positioning and rolling cash flow forecasting. You will help manage working capital needs and assist in optimizing the yield on corporate cash balances.

• Budgeting & Forecasting: Support the annual planning process and monthly rolling forecasts. You will collaborate with department heads and senior business leaders to understand and forecast pro-forma revenues and expenses.

• Variance Analysis: Analyze financial performance against budget and forecasts; investigate and explain variances versus Budget to help business leaders manage their P&Ls.

• Financial Modeling: Build and maintain dynamic financial models to support decision-making (e.g., revenue modeling, cash flow projections, and unit economics analysis).

• Data & KPIs: Monitor key performance indicators specific to M1’s business and help maintain data visualization dashboards.

• Process Improvement: Proactively identify opportunities to automate reporting processes and improve the accuracy and flow of financial data.

Salary band: $100,000 - $140,000 annual

Qualifications

• Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field.

• Experience: 2–4 years of relevant experience in Corporate Finance, FP&A, Investment Banking, or Accounting.

• Excel Proficiency: Advanced proficiency in Microsoft Excel is required. You must be comfortable with complex formulas, managing large datasets, and building three-statement financial models.

• Accounting Knowledge: Solid understanding of GAAP and the relationships between the P&L, Balance Sheet, and Cash Flow statements.

• Analytical Mindset: Strong problem-solving skills with the ability to synthesize complex data into clear, actionable takeaways.

• Communication Skills: Ability to translate financial concepts to non-finance team members and build rapport with cross-functional partners.

• Technical Skills (Preferred): Experience with SQL, data visualization tools (Superset), or financial planning software (Net Suite, Planful) is a strong plus. Interest in pursuing FINRA’s Series 27 qualification is also a strong plus.

• Industry Interest: A genuine interest in fintech, personal finance, and the "M1 Mission."

Work Hours:

• Standard business hours are from 8AM - 5PM CST (or local equivalent), though flexibility is required during key financial cycles (e.g., month-end close, annual budget and audit season).

• If you’re ready to take the next step in your career and help build the financial infrastructure of a next-generation wealth platform, apply today!

Additional Information

Our Values

Our team embodies our ten core principles and if these principles speak to you – we’d love to talk with you.

• Mission Driven: Life short – everyone should spend their waking hours on something they find meaningful. We believe improving people’s financial wellness improves lives. It’s a vital and worthy cause.

• Extreme Ownership: We think and act like owners. That means we’re responsible for the results to our clients, coworkers, and M1 shareholders. Our focus is on building long-term value, not scoring short-term marks.

• Boldness: We want to do things of consequence. Make a difference. Put a dent in the universe. Thinking big inspires results. We’d rather fail at something meaningful than succeed at something trivial.

• Bias for Action: Results lag prior efforts – we can’t hope or wait for results. Instead, we believe a good process leads to good outcomes and persistent progress leads to compounding.

• Economical: We strive to do more with less. We’ll always be limited in time, money, and energy, especially compared to our ambitions. We must use our limited resources on what matters and regard constraints as motivators.

• Transparency: Context and accurate information are the foundation of strong decision making. We share information openly, honestly, deliberately and broadly.

• Team-oriented: People at M1 may play different roles, but we’re all on the same team. Together, we can achieve more. We maintain a low ego, make everyone feel welcome, trust one another, and seek out and respect different perspectives.

• Challenged, But Not Overwhelmed: We are curious people who always want to grow. We support growth through high standards, clearly defined responsibilities, and broad autonomy, with help when needed.

• Effectiveness: We care about performance and results, not specific methods. Different problems may require creative brilliance or a simple idea; grinding hard work or casual effort; or disciplined process versus scrappy implementation. Effective people do what’s needed to get the right things done and deliver intended results.

• Integrity: We do the right thing. When we make mistakes, we own and correct them. We’d be proud if our actions were shared with our family, friends, and strangers. Everyone can count on us to act according to our values. This trust must never be broken.

Our Perks:

• Competitive Pay and Stock Options

• Comprehensive health, dental, vision, disability, and life insurance

• Retirement benefit with employer match

• Unlimited PTO

• Transparent and open communication with leadership

M1 is an equal opportunity employer and values diversity across the company. M1 does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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