Supports the 1P Lending program by owning end-to-end Profit & Loss (P&L) setup, driving Financial Planning & Analysis (FP&A) cycles including forecasting, budgeting, and variance analysis, and building unit economics frameworks to evaluate lending profitability at a per-loan and per-customer level. Partners cross-functionally with Business, Risk, Capital, and Accounting teams to deliver financial insights, establish governance mechanisms, and enable data-driven decision-making for program scaling across markets. Key job responsibilities P&L Ownership: Own end-to-end P&L setup, cost allocation, and revenue recognition for the 1P Lending program. FP&A Planning: Drive OP1/OP2, quarterly forecasts, and monthly variance analysis aligned to business goals. Unit Economics: Build per-loan and per-cohort profitability frameworks to evaluate contribution margins and cost-to-serve. SQL and Data Analysis: Write and optimize SQL queries to extract and analyze large-scale lending datasets for reporting and deep dives. Data-Backed Insights: Deliver actionable insights on origination volumes, delinquency, Net Interest Margin, and Expected Credit Loss to leadership. Governance and Reviews: Support MFR, QFR, WBR, and Page-0 reporting, ensuring consistent P0 metric tracking and variance callouts. Cross-Functional Partnership: Partner with Risk, Capital Markets, Accounting, Tax, and Treasury on financial assumptions and reconciliation. Financial Modeling: Develop models for new product launches, pricing changes, and market expansion scenarios. Process Automation: Automate reporting and planning workflows by improving SQL pipelines and system integrations (e.g., Hyperion, Cognos). Stakeholder Communication: Translate complex financial data into crisp, executive-ready narratives for leadership reviews. About the team IES Payments Team ### Basic qualifications - 1+ years of finance experience - 2+ years of Accounts Receivable or Account Payable experience - 2+ years of applying key financial performance indicators (KPIs) to analyses experience - Knowledge of standard software including Excel, Access, Oracle, Essbase, SQL and VBA skills - Experience using data to influence business decisions - Experience in corporate finance including budgeting/planning, forecasting and reporting ### Preferred qualifications - 2+ years of participating in continuous improvement projects in your team to scale and improve controllership with measurable results experience - Experience in TM1, Data Warehouse and SQL Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit https://amazon.jobs/content/en/how-we-hire/accommodations for more information. If the country/region you’re applying in isn’t listed, please contact your Recruiting Partner.