Job description

Help Drive Smarter Financial Decisions Merchants Fleet is looking for a Financial Analyst to join our FP&A team and play a key role in managing and improving our near-term cash flow forecasting process. Reporting to an FP&A Business Partner and ultimately supporting the VP of FP&A, you’ll own the company’s 13-week cash flow forecast—a critical tool that helps inform capital allocation decisions at the highest levels of the organization. This is more than a reporting role. You’ll bring together financial data from Financial Operations, FP&A, Treasury, and business teams to develop a deep understanding of how the business operates and translate that knowledge into a defensible, KPI-driven forecast. You’ll work with colleagues across the organization and have exposure to senior leaders, including members of the executive leadership team. If you enjoy working with data, solving problems, improving processes, and turning financial information into meaningful business insights, this could be a great opportunity for you. What Your Week Looks Like Own the 13-Week Cash Flow Forecast Update and maintain Merchants Fleet’s 13-week cash flow model using historical collections, disbursements, vehicle purchases and dispositions, and debt facility activity. Reconcile forecast activity against the company’s actual closing cash position. Perform variance analysis, identify key drivers, and clearly communicate significant differences to the FP&A Business Partner and VP of FP&A. Adjust projections based on actual results and insights from partner teams, while explaining changes from the prior forecast. Monitor collections, disbursements, and Fleet/Mobility debt facility movements throughout the week and proactively investigate variances. Repeat and refine the forecasting process each week to ensure accuracy and reliability. Partner Across the Business Work closely with Financial Operations to ensure collections and Accounts Payable disbursement forecasts accurately reflect current customer behavior. Partner with Treasury to understand historical and expected movements within Merchants Fleet’s asset-backed debt facilities and incorporate those movements into the forecast. Collaborate with FP&A Business Partners to understand the fundamental drivers behind the P&L forecast and how they flow into cash projections. Build strong relationships across Finance and the broader organization to improve the quality and timeliness of financial information. Become a Trusted Business Expert Develop a strong understanding of Merchants Fleet’s business model and how operational activity flows through the company’s financial systems and data. Identify opportunities to make forecasting faster, more accurate, and more scalable, with an emphasis on automating manual processes. Build financial scenarios that help business leaders understand the potential cash flow impact of strategic and operational decisions. Translate complex financial information into clear, actionable insights for audiences across the organization. Minimum Qualifications Bachelor's degree in Finance, Accounting, Economics, Business, or a related field. 1-3 years of professional experience in financial analysis, FP&A, corporate finance, investments, banking, accounting, or a related analytical finance function. Experience supporting forecasting, financial reporting, budgeting, business analysis, or performance management activities. Advanced Microsoft Excel skills, including financial modeling and data analysis. Strong analytical and problem-solving abilities with the ability to translate financial data into actionable business insights. Ability to work onsite at Merchants Fleet headquarters in Hooksett, New Hampshire. Preferred Qualifications Experience with ABS securitization financing, structured finance, treasury, or capital markets activities. Experience with financial systems, ERP platforms, Power BI, or other business intelligence and reporting tools. Exposure to transportation, automotive, fleet management, or logistics-related industries. What You Bring A solid understanding of financial statements, cash flow analysis, forecasting, and key business performance metrics. The ability to manage multiple priorities and meet deadlines in a fast-paced environment. Strong business acumen and curiosity about how financial performance impacts Confidence building relationships and partnering with stakeholders across departments. A proactive, solution-oriented approach to identifying opportunities and improving processes. Skills That Will Set You Up for Success Advanced financial modeling, forecasting, and analytical reporting capabilities. Strong written, verbal, and presentation skills, with the ability to explain financial concepts to both financial and non-financial audiences. Exceptional attention to detail, organization, and follow-through. Ability to work across multiple systems, data sources, and competing priorities. Resourcefulness, adaptability, and a strong sense of ownership and accountability. Experience leveraging data and technology tools to identify trends, evaluate performance, and support decision-making. Important Information About This Role Before applying, please review the following requirements: This position is based at Merchants Fleet's headquarters in Hooksett, New Hampshire and requires regular onsite attendance. This is not a remote position. Relocation assistance is not available for this role. Candidates must be legally authorized to work in the United States. Merchants Fleet is unable to provide employment visa sponsorship now or in the future for this position. Applicants who currently hold, or may in the future require, employer-sponsored work authorization should consider this requirement carefully before applying. Examples may include, but are not limited to, F-1 OPT, STEM OPT, CPT, H-1B, TN, O-1, or other employment authorization categories requiring current or future employer sponsorship. Why This Role Matters Your work will directly influence how Merchants Fleet understands its near-term liquidity and makes important capital allocation decisions. You’ll have the opportunity to build expertise across Finance, Treasury, Financial Operations, and the broader business while developing the analytical and strategic skills that can take your career to the next level. If you’re ready to turn financial data into business insight and make an impact at a growing organization, we’d love to hear from you! The Company You're invigorated by team collaboration and a fast-paced work environment. Opportunities for growth motivate you to always bring your A-game. You’re tired of being told “no” when you think of ways to improve, innovate, and do things better. There’s a place for people like you. Welcome to Merchants Fleet. We’ve been around for more than 60 years, but we’re the fastest growing fleet management company in North America. The fleet industry is behind every delivered package, the summertime memories kids make on their way to camp, and the heavy-duty trucks and vans that keep the lights on. That’s a lot of responsibility, and why we want our employees to always be at their best. Everything at Merchants Fleet is fueled by our entrepreneurial spirit, including: Leadership who truly lead and engage with employees Real career paths and the tools you need to grow and develop A work environment that’s encouraging and collaborative We know employees won’t stay if they’re not happy, which is why we provide a great benefits package on top of our award-winning work environment. In fact, we’ve just made the “Great Companies to Work For in NH” list for the 10th year and have a 84% employee satisfaction score (higher than the national average of 57%). So, what are you waiting for? See why a career with Merchants Fleet is the best decision your future self has ever made. Location: Merchants Fleet Headquarters – Hooksett, NH (Hybrid) We are fortunate to have an in-house team of Talent Acquisition experts who meet the needs of our business. Because they are AWESOME, we do not need support from external recruiting partners to identify talent or augment staffing for this role. AI Disclosure: We may use AI-assisted tools throughout the recruiting process to help support activities such as scheduling, communications, note organization, and process efficiency. If you have any questions or concerns about the use of these tools, please let us know. Please be assured that all applications and candidate evaluations are reviewed by people, and hiring decisions are made by our team based on a variety of factors, including skills, experience, and overall fit for the role. Join Center Stage at Merchants Fleet: Explore More + Apply Today! Merchants Fleet® is the fastest-growing and most electric fleet management company in North America, serving over 20 diverse industries, powered by 525 employees in 29 states with HQ in New Hampshire. Discover the unique benefits, perks and rewarding culture we offer you — download the Merchants Fleet 2026 Total Rewards Employee Benefits Guide today! Visit www.merchantsfleet.com/explore Merchants Fleet is an equal opportunity employer committed to diversity and inclusion. Individuals with disabilities and protected veterans are encouraged to apply. If you require an accommodation with our hiring process please send an email to careers@merchantsfleet.com or call (603) 836-6483. To provide all candidates with the highest level of our attention, Merchants Fleet does not accept uninvited solicitations or resumes from third parties. All workplace policies, required notices and guidelines (including EEO posters, CCPA notice for California residents) are available online.

Requirements

Must-haves

Help Drive Smarter Financial Decisions
What Your Week Looks Like
Own the 13-Week Cash Flow Forecast
Update and maintain Merchants Fleet’s 13-week cash flow model using historical collections, disbursements, vehicle purchases and dispositions, and debt facility activity.
Reconcile forecast activity against the company’s actual closing cash position.
Perform variance analysis, identify key drivers, and clearly communicate significant differences to the FP&A Business Partner and VP of FP&A.
Adjust projections based on actual results and insights from partner teams, while explaining changes from the prior forecast.
Monitor collections, disbursements, and Fleet/Mobility debt facility movements throughout the week and proactively investigate variances.
Repeat and refine the forecasting process each week to ensure accuracy and reliability.
Partner Across the Business
Work closely with Financial Operations to ensure collections and Accounts Payable disbursement forecasts accurately reflect current customer behavior.
Partner with Treasury to understand historical and expected movements within Merchants Fleet’s asset-backed debt facilities and incorporate those movements into the forecast.
Collaborate with FP&A Business Partners to understand the fundamental drivers behind the P&L forecast and how they flow into cash projections.
Build strong relationships across Finance and the broader organization to improve the quality and timeliness of financial information.
Become a Trusted Business Expert
Develop a strong understanding of Merchants Fleet’s business model and how operational activity flows through the company’s financial systems and data.
Identify opportunities to make forecasting faster, more accurate, and more scalable, with an emphasis on automating manual processes.
Build financial scenarios that help business leaders understand the potential cash flow impact of strategic and operational decisions.
Translate complex financial information into clear, actionable insights for audiences across the organization.
Bachelor's degree in Finance, Accounting, Economics, Business, or a related field.
1-3 years of professional experience in financial analysis, FP&A, corporate finance, investments, banking, accounting, or a related analytical finance function.

Nice-to-haves

Experience with ABS securitization financing, structured finance, treasury, or capital markets activities.
Experience with financial systems, ERP platforms, Power BI, or other business intelligence and reporting tools.
Exposure to transportation, automotive, fleet management, or logistics-related industries.

Application prep

Use the role’s language and application details while tailoring your materials.

Keywords to mirror

Platform: greenhouse
Effort: quick