About Grid

Today’s financial system is built to favor those with money. Grid’s mission is to level that playing field by building financial products that help users better manage their financial future. The Grid app lets users access cash, build credit, spend money, optimize their taxes, and lots, lots more.

Grid is a fast-growing team that’s deeply passionate about making a difference in the lives of millions. We’re solving huge problems and believe that every team member has a big role to play. Come join our growing team in our brand new Seattle office!

The Role

We are hiring our first dedicated Financial Operations professional. You will own reconciliation from day one, building the processes, controls, and tooling that ensure every dollar moving through our platform is accounted for. From there, you will expand into payment operations, treasury, collections, disputes, and financial reporting as the company scales.

This role is equal parts hands-on executor and process builder. You will not inherit a playbook. You will write it. The right person is a seasoned individual contributor who is energized by ownership, comfortable operating without a team beneath them, and ready to grow with the function.

The Team

We're focused on serving our users above all else all while building a robust business. To this end, Grid's team members experience high levels of autonomy and ownership, and as a company we value curiosity, learning and growth.

At Grid, you'll be surrounded by a team that is motivated, mission-driven and pragmatic.

What You'll Own

Reconciliation

Reconcile internal ledger records against payment processor statements, bank partner records, and ACH processor reports on a daily and monthly basis

Identify, investigate, and resolve breaks across disbursement and repayment flows, including ACH and card

Build scalable reconciliation processes and controls, including documentation, exception workflows, and tooling

Partner with Engineering to ensure transaction data integrity and support ledger design decisions

Payment Operations

Monitor outbound disbursement and inbound repayment volumes, success rates, and failure trends across all payment rails

Own exception handling for failed, reversed, or disputed transactions

Serve as the day-to-day operational point of contact with payment processors and our bank partner

Support network compliance monitoring, track fines or penalties, and coordinate on escalations with external partners

Collections and Recovery

Monitor the automated repayment lifecycle and flag exceptions that require manual intervention

Track and manage charge-off processes

Coordinate with third-party collection partners as needed

Work with Engineering and Risk to improve repayment success rates over time

Customer Disputes

Manage the end-to-end process for Reg E dispute obligations, including intake, investigation, and resolution within regulatory timelines

Handle ACH unauthorized return defense and card network chargebacks

Maintain documentation and reporting to support audit and compliance requirements

Treasury and Cash Management

Track and manage the daily cash position across funding accounts

Monitor reserve obligations and funding account balances

Contribute to liquidity forecasting as advance volume grows

Support future credit facility draws and related reporting as the capital structure evolves

Financial Reporting and Accounting

Support month-end close processes and general ledger maintenance

Contribute to financial reporting for bank partners, investors, and the board of directors

Assist with revenue recognition and loss provisioning (CECL) as the accounting function matures

Vendor and Bank Partner Management

Serve as the primary operational contact for key vendors and partners, including our bank partner, payment processors, ACH provider, identity verification provider, and bank linking provider

Manage day-to-day relationship logistics, including issue escalation, reporting requirements, and contract obligations

Coordinate across vendors when transaction issues span multiple providers

What We're Looking For

Experience

3 to 5 years in financial operations, payments operations, or accounting at a fintech, bank, or payments company

Hands-on experience reconciling high-volume transaction data across multiple payment rails

Familiarity with consumer lending or cash advance products is a strong plus

Experience working directly with payment processors, ACH networks, and bank partners

Exposure to consumer dispute handling (Reg E, chargebacks, unauthorized returns) is a plus

Skills

Strong command of Excel and Google Sheets, with comfort querying data in SQL as a significant plus

Ability to independently investigate discrepancies and see them through to resolution

Process-builder mindset. You are not just comfortable with ambiguity, you thrive when handed a blank page

Clear communicator who can translate operational issues into crisp summaries for finance and leadership stakeholders

Disposition

You take ownership seriously. If something is broken, you fix it and then figure out how to prevent it from breaking again

You are comfortable being the only person in the room with your domain expertise and can make sound judgment calls independently

Startup experience or demonstrated comfort in resource-constrained, high-growth environments

Why Join Now

You will be the founding voice of financial operations. Decisions you make in the first 90 days will shape how we run for years

Direct exposure to leadership and meaningful influence over systems, vendors, and processes

Competitive salary, equity, and benefits

$70,000 - $100,000 a year

The role is eligible for equity and benefits. Actual base pay will be determined based on permissible factors, including transferable skills, work experience, market demand, and primary work location.

Benefits: Medical, Dental, Vision, 401K, Life Insurance

Salary Range: $70,000 - $100,000 per year

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Financial Operations Analyst

Job Description - Financial Operations Analyst