Manager, FP

Join our team at NCD, a top-tier insurance provider, consisting of a unique and eclectic group of winners, nerds, and gamers who balance a fun, kind, and thoughtful approach to life with an unwavering commitment to unparalleled member satisfaction. Our ecosystem is rooted in our five core values:

Relentless Positivity, Growth Obsessed,Getit Done, Helpful Spirit, and Solution Driven.

We are not just coworkers, but a community, working tirelessly towards 'Spreading the Smile' to our members, agents, and each other. NCD is at the forefront of dental and vision insurance, in partnership with our carrier partners Met Life, VSP, and Zurich. Our continuous growth is a testament to our commitment to delivering outstanding agent and customer satisfaction.

If you are ready to win each day, are eager to grow, and aspire to contribute to an organization that is setting the pace in the industry, then we are looking for you. Together, let’s drive change and take NCD to new heights. Join us and become a vital part of our success story as we continue to transform lives and 'Spread the Smile.

Location: Remote (U.S.). Preference for candidates in Greater Detroit, Dallas-Fort Worth, Memphis, or Kansas City who can work hybrid.

NCD is looking for a Manager, FP&A to own the budget, the forecast, and the models behind them. You will work directly with the CFO and with the leaders who run sales, product, and operations. This is a hands-on role: you build and run the models yourself, and you are comfortable going into the data to find the answer. Finance at NCD already uses AI tools in its daily work, and we want someone who is excited to use them to make planning faster and more accurate.

NCD earns its revenue as broker of record, program administrator, and administrator for its carrier partners, paid through commissions and administrative fees on premium. Results depend on member enrollment, persistency, distributor mix, and carrier terms. The business is growing and adding products, and the planning process has to grow with it. The Manager, FP&A turns those drivers into the plan, the forecast, and the analysis that leadership uses to make decisions.

• Own the annual budget and the monthly and quarterly reforecast. Build and maintain the driver-based model: members, premium, commission and fee rates, persistency, and acquisition cost.
• Produce monthly budget-to-actual and forecast-to-actual variance analysis with written commentary for the CFO and executive team.
• Build and maintain P&Ls by carrier program, product line, and distribution channel.
• Model carrier and distributor economics, including commission structures, advances and chargebacks, experience-rated reserves, and profit-sharing arrangements.
• Build the cash flow and liquidity forecast, and prepare lender reporting packages.
• Analyze new products, distributor agreements, and acquisitions: pricing, unit economics, payback, and scenarios.
• Work with the Data team to define the metrics Finance relies on (members, persistency, lifetime value, acquisition cost) and move recurring reporting from spreadsheets into dashboards.
• Use AI tools to speed up and improve Finance's recurring work: pulling data for variance commentary, reconciling figures across systems, drafting lender and audit request packages, and documenting models so that both people and AI tools can work with them.
• Work with Accounting on close timing and accruals, and reconcile the forecast to the general ledger.
• Document models and processes so that others can run, review, and audit them. Support requests from the annual audit.
• Other duties as assigned.

• Bachelor's degree in Finance, Accounting, Economics, or a quantitative…