Senior Financial Analyst, Finance & Strategy

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At Payactiv, we believe everyone is worthy of financial dignity. Our team is built on a shared obsession to create products that reduce financial stress and improve lives. We thrive on curiosity, strive for excellence, and act with purpose every day. If you’re inspired to reimagine what’s possible for workers everywhere, explore our openings—or reach out and introduce yourself. There’s always room at the table for passionate problem-solvers.

Position: Senior Financial Analyst, Finance & Strategy Location: Milpitas, CA
Job : 238 # of Openings: 1 Job Title:
Senior Financial Analyst, Finance & Strategy
Location:
Payactiv's Milpitas, CA headquarters

Reports to:

Senior Finance Manager

We are Payactiv, a Fin Tech company in the heart of Silicon Valley, devoted to giving workers access to their earned wages when they need them. Payactiv is the pioneer and industry leader in Earned Wage Access. We are the only Certified B Corporation and Public Benefit Corporation in our industry. Our app provides millions with financial services that help them avoid debt, manage their finances, and regain flexibility to pay for things on their own schedule.

Payactiv is seeking an experienced Senior Financial Analyst to be the analytical lead for a multi-million-dollar business partnership. This role requires a sharp analytical mindset, strong hands-on technical skills, and excellent communication skills including the ability to engage directly with clients. The ideal candidate will drive both short- and long-term initiatives to improve collections and lower loss rates, lead process improvements and an international finance operations team, and operate effectively in a high-visibility environment.

This position reports to the Senior Finance Manager and is based in our Milpitas, CA office.

• Leverage large and complex data sets to analyze business trends, loss drivers, and performance metrics, generating actionable insights that improve both top-line and bottom-line results
• Translate analytical insights into new or enhanced tools, processes, and operating strategies that deliver measurable business impact

• Communicate clearly and effectively to a wide range of audiences, including executives, cross-functional partners, and external clients
• Engage directly with clients to explain our product, address any concerns, and recoup any outstanding amounts

• Design, implement, and continuously improve scalable processes and internal controls to manage an ecosystem of tens of thousands of individual accounts, maximizing revenue while minimizing uncollected balances
• Drive operational efficiency through automation and technology, enabling the team to effectively manage volume, complexity, and growth
• Work closely with Product and Engineering teams to build, enhance, and integrate new tools and systems within Payactiv’s broader platform and ecosystem

• Lead, develop, and scale an international finance operations team of 5+ professionals focused on improving collections performance and reducing loss rates for Payactiv disbursements
• Partner closely with cross-functional leaders across Business, FP&A, Customer Success, Product, and Engineering to support and advance high‑impact business initiatives

• Bachelor’s degree in Finance, Economics, Data Science or a related field
• An advanced degree (MBA, Engineering, Data Science) is a plus
• 4+ years of Finance, Strategy, Operations or Analytics experience; experience in fintech, payments, lending, or…