Austin Capital Bank
Company Overview
Austin Capital Bank is a fast‑growing, tech‑forward community bank based in Austin, Texas. We’re a nationwide leader responsible financial innovation—combining the stability of a 500 million‑dollar regulated bank with the agility of a fintech. Our mission is to deliver simple reliable, and customer‑friendly financial products that improve the financial well‑being of people across the country. Our products have touched over a million customers in all 50 states.
Why You’ll Love Working Here
A supportive team culture with approachable leaders and good snacks.
A profitable and growing business with strong financials.
Opportunities to grow through career development, tuition assistance, and cross‑functional roles.
Full‑coverage employer‑paid medical, dental, and vision insurance.
Wellness program with extra funds for out‑of‑pocket medical expenses.
Generous paid time off—16 days per year that grows with tenure.
Paid holidays—11+ per year.
401(k) with 4% employer match.
Our Core Values
Wicked Smart – Intellectually and emotionally self‑aware.
Take Initiative – Bias to action and forward momentum.
No Big Egos – Self‑confidence with humility.
Honesty – Respectful and direct forthright communication.
Curiosity – Innovation that goes beyond the line.
About The Role Austin Capital Bank (ACB) is hiring a
Financial Data Analyst
to align our financial forecasting and reporting with the Data Analytics organization. You will own the data structures, models, and analyses that power financial planning and forecasting, partner closely with Finance during monthly/quarterly close, and deliver high‑quality insights to business and product leaders.
What You’ll Do Finance Planning, Forecasting & Reporting
Build and maintain driver‑based financial models to support annual operating plans and rolling forecasts.
Perform monthly variance analysis (Actuals vs. Budget/Forecast) and partner with Finance and the data team to explain movements and recommend corrective actions.
Create scenario/sensitivity analyses for revenue, unit economics, and margin outcomes; quantify risks and opportunities.
Support month‑end and quarter‑end close with reconciliations, accruals, and cohort/deferral schedules; ensure alignment between finance reports and source data.
Develop standardized KPI packages and executive dashboards (e.g., revenue, contribution margin, CAC/LTV, churn/retention, cohort profitability, cash runway). Refresh on a predictable cadence.
Data Analytics
Write high‑quality SQL to extract, join, transform data from our cloud data warehouse; curate reliable, documented datasets for Finance and Accounting.
Collaborate with analytics engineering (e.g., dbt) to productionize finance models and ensure version control, testing, and lineage.
Build automated data quality checks and partner with Finance to resolve exceptions.
Optimize query performance and data partitioning for timely reporting across month‑end close and weekly forecast cycles.
Partner with fraud and product teams to incorporate key drivers (pricing, interchange, charge‑offs, fraud losses, partner fees) into finance datasets.
Stakeholder Enablement & Communication
Translate complex data findings into concise narratives, visuals, and clear recommendations for Finance and Executive Team.
Establish SLAs for recurring deliverables (close packages, board metrics, forecast refreshes) and communicate deviations proactively.
Document assumptions, definitions, and metric logic; drive alignment on a single source of truth for financial KPIs.
What You Bring Required
3–6 years in FP&A, financial analysis, or data analytics supporting finance within fintech, banking, SaaS, or similar data‑rich domains.
Intermediate SQL with demonstrated experience querying large datasets in a cloud data warehouse (e.g., Snowflake, BigQuery, Redshift).
Strong proficiency in Excel/Sheets (index/match/xlookup, nested logic, pivoting, scenario/sensitivity modeling).
Solid understanding of financial statements (P&L, balance sheet, cash flow), GAAP concepts (revenue recognition, accruals, deferrals), and variance analysis.
Experience building driver‑based forecast models and operational KPI dashboards for executive audiences.
Clear, concise communication skills; ability to translate technical details into business insights.
Preferred
Experience with dbt and modular analytics modeling; familiarity with CI/testing and documentation practices.
Python (pandas, numpy) or R for analysis, reconciliation, or statistical analysis.
Familiarity with BI/analytics tools (ThoughtSpot, Looker, Tableau, Power BI) including data modeling and governance.
Exposure to banking/fintech economics: interchange, ACH, BIN sponsorship, fraud losses, charge‑offs, loss provisioning, and cohort/retention analysis.
Experience designing metric definitions and data contracts that align Finance with Product, Risk, and Operations.
Hands‑on use of AI prompts/agents for data tasks, with evidence of rigorous validation and controls.
Please only submit an application if you are currently based in Austin, Texas.
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Why You’ll Love Working Here
A supportive team culture with approachable leaders and good snacks.
A profitable and growing business with strong financials.
Opportunities to grow through career development, tuition assistance, and cross‑functional roles.
Full‑coverage employer‑paid medical, dental, and vision insurance.
Wellness program with extra funds for out‑of‑pocket medical expenses.
Generous paid time off—16 days per year that grows with tenure.
Paid holidays—11+ per year.
401(k) with 4% employer match.
Our Core Values
Wicked Smart – Intellectually and emotionally self‑aware.
Take Initiative – Bias to action and forward momentum.
No Big Egos – Self‑confidence with humility.
Honesty – Respectful and direct forthright communication.
Curiosity – Innovation that goes beyond the line.
About The Role Austin Capital Bank (ACB) is hiring a
Financial Data Analyst
to align our financial forecasting and reporting with the Data Analytics organization. You will own the data structures, models, and analyses that power financial planning and forecasting, partner closely with Finance during monthly/quarterly close, and deliver high‑quality insights to business and product leaders.
What You’ll Do Finance Planning, Forecasting & Reporting
Build and maintain driver‑based financial models to support annual operating plans and rolling forecasts.
Perform monthly variance analysis (Actuals vs. Budget/Forecast) and partner with Finance and the data team to explain movements and recommend corrective actions.
Create scenario/sensitivity analyses for revenue, unit economics, and margin outcomes; quantify risks and opportunities.
Support month‑end and quarter‑end close with reconciliations, accruals, and cohort/deferral schedules; ensure alignment between finance reports and source data.
Develop standardized KPI packages and executive dashboards (e.g., revenue, contribution margin, CAC/LTV, churn/retention, cohort profitability, cash runway). Refresh on a predictable cadence.
Data Analytics
Write high‑quality SQL to extract, join, transform data from our cloud data warehouse; curate reliable, documented datasets for Finance and Accounting.
Collaborate with analytics engineering (e.g., dbt) to productionize finance models and ensure version control, testing, and lineage.
Build automated data quality checks and partner with Finance to resolve exceptions.
Optimize query performance and data partitioning for timely reporting across month‑end close and weekly forecast cycles.
Partner with fraud and product teams to incorporate key drivers (pricing, interchange, charge‑offs, fraud losses, partner fees) into finance datasets.
Stakeholder Enablement & Communication
Translate complex data findings into concise narratives, visuals, and clear recommendations for Finance and Executive Team.
Establish SLAs for recurring deliverables (close packages, board metrics, forecast refreshes) and communicate deviations proactively.
Document assumptions, definitions, and metric logic; drive alignment on a single source of truth for financial KPIs.
What You Bring Required
3–6 years in FP&A, financial analysis, or data analytics supporting finance within fintech, banking, SaaS, or similar data‑rich domains.
Intermediate SQL with demonstrated experience querying large datasets in a cloud data warehouse (e.g., Snowflake, BigQuery, Redshift).
Strong proficiency in Excel/Sheets (index/match/xlookup, nested logic, pivoting, scenario/sensitivity modeling).
Solid understanding of financial statements (P&L, balance sheet, cash flow), GAAP concepts (revenue recognition, accruals, deferrals), and variance analysis.
Experience building driver‑based forecast models and operational KPI dashboards for executive audiences.
Clear, concise communication skills; ability to translate technical details into business insights.
Preferred
Experience with dbt and modular analytics modeling; familiarity with CI/testing and documentation practices.
Python (pandas, numpy) or R for analysis, reconciliation, or statistical analysis.
Familiarity with BI/analytics tools (ThoughtSpot, Looker, Tableau, Power BI) including data modeling and governance.
Exposure to banking/fintech economics: interchange, ACH, BIN sponsorship, fraud losses, charge‑offs, loss provisioning, and cohort/retention analysis.
Experience designing metric definitions and data contracts that align Finance with Product, Risk, and Operations.
Hands‑on use of AI prompts/agents for data tasks, with evidence of rigorous validation and controls.
Please only submit an application if you are currently based in Austin, Texas.
#J-18808-Ljbffr