Senior Financial Analyst / FP&A Lead

Rain is the world's first AI Financial Health Platform, serving 3.5 million employees at leading organizations like McDonald's, Marriott, and T-Mobile. Rain works in the background to optimize every employee's financial life to prevent shortfalls and build long-term stability. Backed by top investors including QED and Prosus, Rain has raised $150M in venture funding to fuel its next stage of hyper growth.

What you’ll do

• Maintain and evolve Rain's core financial model, used for investor reporting, board presentations, internal target setting, budget management, and cash forecasting

• Lead budget ownership across the organization — partnering with department heads to track performance, identify variances, and surface risks and opportunities to leadership

• Own cash forecasting and runway modeling, ensuring leadership has accurate, real-time visibility into our liquidity position

• Support structuring and monitoring of debt facilities, including covenant compliance, borrowing base reporting, and lender communications

• Work directly with the COO on strategic projects, investor materials, and operational decision-making

• Collaborate with the finance team to respond to recurring investor and board queries and support fundraising activities

• Provide ad hoc financial analysis to evaluate new products, partnerships, and business models as Rain expands beyond earned wage access (EWA)

• Partner with the Accounting team on month-end close, accruals, and department cost allocation to ensure reporting accuracy

• Translate complex financial data into clear, actionable insights for non-finance stakeholders across the business

• Drive automation of financial planning processes using tools such as Drivetrain to improve efficiency and scalability

Who you are

• 3-5+ years of total experience with a strong foundation in investment banking, strategy consulting, M&A advisory, or corporate finance at a top tech company

• Investment banking or transaction advisory experience strongly preferred

• Strategic finance or FP&A experience at a high-growth startup is a strong plus

• Expert-level Excel financial modeling skills — you should be comfortable building complex, multi-scenario models from scratch

• Strong accounting knowledge and ability to read and interpret financial statements and understand accounting impacts

• Excellent problem-solving, critical thinking, and investigative skills

• High attention to detail with the ability to prioritize in a fast-paced environment

• Excellent communicator who can distill complex analysis into crisp narratives for leadership, investors, and board members

• Self-starter with the initiative to improve processes and drive outcomes independently