Senior Financial Analyst, FP&A

Here at Lower , we believe home ownership is the key to building wealth , and we’re making it easier and more accessible than ever. As a mission-driven fintech , we simplify the home-buying process through cutting‑edge technology and a seamless customer experience
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With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart?
Our people. Join us and be part of something bigger.

The Senior Financial Analyst (SFA) of FP&A is driven, organized, energetic and independently manages the financial planning, forecasting, reporting, and analysis for an assigned business unit. As the FP&A owner for a division, you will act as the go‑to finance partner and provide support to a senior leader to facilitate strategic decision making. This role is highly visible with multiple opportunities to build cross‑functional relationships and interact with senior leadership.

• Serve as the primary owner of all planning, forecasting, reporting, and analysis activities for an assigned business unit, delivering on a weekly, monthly, quarterly, and annual cadence.
• Maintain and develop relevant financial models to project business performance and manage the associated data gathering and research process.
• Ensure accurate and timely production of periodic financial reports and present them to senior leadership monthly.
• Analyze and prepare monthly variance analysis for assigned business units, including cost allocations and other allocations.
• Manage expenses and headcount across business units, providing visibility to senior leaders on staffing, capacity, and productivity metrics. Craft relevant KPIs to measure business performance.
• Build strong relationships with internal customers as a developing trusted finance partner for the assigned business unit, providing analytical support to business leaders.
• Represent Finance in supporting key strategic initiatives. Provide financial analysis to stakeholders to enhance ROI.
• Support accounting in the monthly close process as needed.
• Provide ad‑hoc support on various strategic initiatives to drive growth, efficiency and profitability.

• Finance professional with at least 5+ years of work experience in Accounting and/or Financial Analysis, with demonstrated track record of managing core FP&A responsibilities with minimal oversight.
• Bachelor’s degree in Accounting, Finance, or related discipline.
• A background in the mortgage industry highly preferred.
• Demonstrated high‑level knowledge of financial accounting, economics, and corporate finance.
• Advanced modeling skills with Excel and other software.
• Ability to work independently in a fast‑paced and rapidly changing environment.
• Strong business acumen with intellectual curiosity.
• Comfortable analyzing large volumes of complex data and communicating findings concisely.
• Proactive approach to problem solving and a focus on building strong partnerships with internal customers.
• Ability to meet deadlines and prioritize workload.
• Strong attention to detail and high level of accuracy.

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.