Location: e123 is a Work From Anywhere company based in southern California with an entirely remote workforce from all over the US. Why join e123? e123 is transforming the distribution of health insurance in the United States while creating a new insurtech category. e123 helps businesses manage the complex world of health insurance distribution. We handle $3B in annual premium billings through a network of nearly 400,000 agents. We deliver a single, easy to use platform for clients to distribute and market insurance and benefits products at all levels. We are rapidly expanding our product suite to to address major pain points for enterprise carrier and distribution customers in this market vertical. Our Mission We’re on a mission to fix a broken system, making it easier and more reliable for millions of people to protect themselves against the unexpected by enabling insurance providers to better match individuals with the right health insurance solutions. This in turn enables accelerating growth for our clients. At e123, we deliver a powerful, widely-used core SaaS product in a premier position central to our industry, and our team knows as much as anyone about the complexities of the United States healthcare insurance distribution network. Job Summary The Financial Analyst is e123’s core FP&A analyst and will prepare the monthly management, board, and lender reporting that leadership and our investors rely on. You will sit inside Finance, reporting to the Senior Director of Finance, and working with the Senior Accountant. You will also own e123’s planning and forecasting cycle, including the annual budget, monthly reforecasts, and the multi-year financial model. You will conduct other analyses as needed in support of various business needs.
Key Responsibilities
Management, Board, and Lender reporting
- Build the monthly management reporting package: P&L, balance sheet, cash flow, ARR, and other SaaSs KPIs
- Draft variance analysis commentary that explains changes over time and differences to plan
- Prepare the quarterly board package and recurring reporting for our private equity sponsor
- Prepare the supporting schedules for the monthly lender compliance certificate and quarterly covenant calculations
Forecasting and budgeting
- Maintain the monthly re-forecast and the multi-year financial model, including detailed revenue forecasting
- Track forecast-to-actual accuracy and explain the drivers of misses
- Run the annual budget process with department heads, planning headcount and non-headcount expenses and conducting analysis as needed to support the plan
Analysis and decision support
- Build ad hoc analyses for leadership, such as pricing scenarios, ROI cases for new investments, unit economics, and customer profitability
- Research historical financial data to answer questions from leadership, the board, and outside parties
- Conduct client-specific performance analysis in support of Account Management or other business needs
- Support the 409A valuation, audit, tax, and PE data requests with schedules and analysis
Process and tools
- Build reliable, agile, and auditable financial models
- Identify manual, recurring reporting work and automate it using Excel or AI-assisted tools
Qualifications & Experience
Required:
- 3-5 years of experience in FP&A, corporate finance, or related role
- Bachelor's degree in Finance, Accounting, Economics, or a related field
- Strong accounting foundation: understanding of GAAP and 3-statement financial integration
- Excellent ability to quickly and deeply understand the business context underpinning the financial analysis, and connect the analysis back to this business context
- Advanced Excel skills, including building clean, auditable, driver-based models and monthly reporting files from scratch
- Experience conducting analysis with AI-assisted tools
- Experience working with a planning tool like Drivetrain, Cube, etc.
- Strong attention to detail
- Clear written and verbal communication
- Highly organized and able to execute work with rapid response as needed
Preferred:
- Experience at a private equity-backed or venture-backed company, preparing board, investor, or lender reporting
- Exposure to SaaS metrics: ARR, GRR, NRR, churn, and bookings
- Experience with QuickBooks Online, a billing platform, or a CRM such as HubSpot
- SQL, BI tools, or experience automating reporting with scripts or AI-assisted tools
- Experience working on a lean team, owning recurring deliverables on a deadline