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Vice President, US FP&A

United States
  • Shape the future of FP&A at Zip; We need a finance trailblazer with consumer lending depth and strategic range
  • Power smarter decisions at scale; Own forecasting, insights, and investment clarity in a fast-moving business
  • Hybrid opportunity for US-based employees with an expectation of 3 days per week in our Union Square Manhattan office.

About the Role

We’re looking for a seasoned finance leader to shape and scale Zip’s FP&A function in the US. Reporting to the US CFO, you’ll set the strategy, build the operating model, and partner with US and Global leadership to deliver planning discipline, financial insight, and decision support at scale.

This role requires both range and depth from building models in the weeds to shaping strategy with the CFO, CEO, and Board. You’ll bring structure and foresight to a fast-changing business, embedding unit economics and performance discipline while guiding growth, risk, and investment decisions.

In the first year, you’ll stand up a disciplined forecast cadence, deliver clear and actionable executive reporting, and strengthen succession planning around key growth and risk levers. Longer term, you’ll scale the FP&A team, introduce best-in-class tools and processes, and influence how Zip allocates capital and invests for sustainable growth.

Key Responsibilities

Strategic & Financial Leadership

  • Define and evolve Zip’s FP&A strategy to support sustainable growth and capital efficiency.
  • Partner with US CFO, US Exec Team, and Global Finance to align FP&A with enterprise strategy.
  • Translate business vision into actionable and measurable financial plans.
  • Lead the annual operating plan, reforecast cycles, and long-range planning.
  • Own scenario planning, sensitivity testing, and macroeconomic stress testing.
  • Lead the adoption of AI and automation across FP&A to unlock faster, smarter forecasting, dynamic scenario modeling, and real-time performance insight.

Planning, Forecasting & Performance

  • Build and enhance forecasting standards, tools, and automation for accuracy and efficiency.
  • Partner cross-functionally:
    • With Product/Risk to embed unit economics, LTV, and credit performance.
    • With Marketing to model CAC, payback, and ROI for growth investments.
    • With Sales on pipeline, performance goals, and capacity planning.
  • Influence investment governance, including capital allocation and prioritization.

Reporting & Decision Support

  • Deliver clear, actionable reporting and dashboards for US and Global leadership.
  • Prepare monthly/quarterly performance packs and Board materials with sharp financial storytelling.
  • Translate complex financial and operational data into meaningful insights and recommendations.
  • Shape the narrative for Zip’s financial story in partnership with US and Global Finance leadership.

Team & Capability Build

  • Lead a lean, high-impact FP&A team today, with scope to expand as business complexity grows.
  • Build out team capabilities, structure, and career paths to match scaling needs.
  • Foster a culture of accountability, learning, and excellence.
  • Mentor and coach team members to grow into future finance leaders.

About You

You are a collaborative, low-ego leader who thrives in high-growth, high-change environments. You bring rigor without over-engineering and can flex seamlessly between detail and strategy.

Experience & Skills

  • 15+ years in FP&A, strategic finance, or corporate finance, with executive-level impact.
  • Financial services experience for a publicly listed US company who understands risk, credit, and margin dynamics
  • Deep background in lending/ consumer finance is required; BNPL a plus.
  • Proven track record in forecasting, scenario planning, and long-range modeling.
  • Skilled at connecting financials to commercial, risk, product, and marketing outcomes.
  • Executive presence: experienced influencing CFOs, CEOs, and Boards.
  • Strong systems fluency: Excel, NetSuite, Anaplan, Tableau/Looker; SQL a plus.
  • Embraces emerging technologies including AI and automation tools to enhance forecasting accuracy, speed, and insight generation
  • Hands-on when needed — from refining a model to building a Board deck under pressure.

Leadership & Culture 

  • Experience leading small, high-impact teams and building new capabilities.
  • Trusted partner to Sales, Marketing, Product, and Risk; able to challenge and support.
  • Comfortable in ambiguity; proactive in creating clarity and direction.
  • Passionate about sustainable scaling: knowing where to invest in people, process, and tools.
  • Excels in high-growth, high-change environments where priorities evolve and infrastructure is still being built

What you’ll get in return

  • Flexible working culture
  • Incentive programs
  • 20 days PTO every year
  • Generous paid parental leave
  • Leading family support policies
  • 90-100% employer covered insurance
  • Beautiful Union Square office with a casual dress code
  • Learning and wellness subscription stipend
  • Company-sponsored 401k match

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $228,000 - $290,000 USD. This range reflects our *Premium Location band (US2). Different bands may apply based on our tiered premium strategy if residence is outside of the New York Metro Tri-State area. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits.  If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique. Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms Zip participates in the federal government’s E-Verify program

Before you apply, give Zip a try   -> rebrand.ly/check-zip-out

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