Senior Financial Analyst, Credit

Recognized on the Inc. 5000 list of fastest-growing companies and named one of Austin’s Top Workplaces year after year. We invest in exceptional people — with a team of over 800 and growing — fostering our employees’ careers and celebrating them at every step of the way. Four Hands is where passion meets purpose and where your next chapter begins.

In This Role

• Own the financial planning and analysis process for key departments, including budgeting, forecasting, and performance tracking aligned with company goals
• Lead cross-functional financial initiatives, partnering with teams such as Art Studio, Sales, and Marketing to evaluate proposals and drive strategic decisions
• Develop and maintain advanced financial models and dashboards to monitor performance, identify trends, and flag risks or opportunities
• Proactively identify areas for financial improvement, anticipate challenges, and recommend solutions before they arise
• Initiate and drive deep-dive analyses (e.g., profitability, product line, customer segments) and present actionable recommendations to senior leadership
• Champion process improvements and automation efforts to scale financial operations and improve accuracy and efficiency
• Prepare and deliver presentations, financial materials, and ad hoc reports that influence business strategy and execution
• Seek understanding by asking thoughtful questions, exploring data from multiple angles, and engaging with stakeholders to uncover root causes and strategic insights
• Mentor junior analysts and contribute to building a high-performance finance team
• Other duties as assigned, in accordance with training and qualifications
• Uphold the Core Values and be a valuable member of the Four Hands team: 
  • Be open and honest
  • Reach for excellence
  • Act with responsibility
  • Value the whole person
  • Enjoy the journey

Credit Team & Key Account Finance Support

• Serve as the lead for the Key Accounts Credit team, providing day-to-day guidance, workflow coordination, and subject matter expertise across customer debits, rebates, short pays, deductions, and account issue resolution.
• Act as the primary escalation point for complex Key Account customer matters, driving timely resolution in partnership with Sales, Sales Operations, Customer Service, and Finance stakeholders.
• Drive collaboration and process alignment across Sales, Sales Operations, and Credit to ensure customer needs are met while maintaining strong operational discipline.
• Partner with cross-functional teams to manage and resolve customer debits, rebates, short pays, deductions, and related account discrepancies for large strategic customers.
• Analyze broader credit team portfolio account activity, dispute trends, account credits, account risk, and deduction patterns to identify root causes, support issue resolution, and improve processes.
• Prepare account-level analyses and recommendations to support issue resolution, account reviews, reserve considerations, and operational decision-making.
• Own month-end and quarter-end close requirements for the credit function, including bad debt reserve analysis, reconciliations, account reviews, and supporting schedules.
• Develop and enhance recurring reports and dashboards related to customer debits, rebates, short pays, deductions, account exposure, and other core metrics.
• Advance the team's reporting and analysis capabilities by improving data visibility, automating recurring reporting, and identifying process improvement opportunities that enhance customer experience, financial controls, and overall team effectiveness.
• Support broader credit team process improvements and risk management initiatives.

Key Account Finance Operations

Account Resolution & Operations

• Support day-to-day management of assigned key accounts, including tracking and coordinating resolution of customer debits, short pays, deductions, rebate-related items, and open account issues.
• Research and analyze account discrepancies, payment variances, chargebacks, and disputed items to drive timely resolution and maintain customer satisfaction.
• Lead resolution efforts for escalated account matters that require cross-functional coordination or executive visibility.
• Maintain customer-specific billing, deduction, rebate, and account records to support accurate reporting, internal visibility, and effective follow-up.
• Partner with internal stakeholders and external customer contacts to resolve invoice discrepancies, account issues, and process gaps in a way that supports strong long-term customer relationships.
• Own and deliver core month-end close outputs for the credit function, including bad debt reserve support, reconciliations, key account reviews, and metric reporting.
• Track and communicate key operational and financial metrics related to deductions, short pays, rebates, dispute volume, recovery trends, and account exposure changes.
• Build, maintain, and continuously improve analytics-driven dashboards and reporting capabilities within Microsoft Dynamics 365 (D365) and Power BI.
• Support continuous improvement initiatives that strengthen cross-functional processes, internal controls, customer account management, and the analytical capability of the credit function.

Rebates Process

• Review rebate deal structures, monthly and quarterly calculations, and settlements to ensure accuracy and adherence to established timelines.
• Support timely posting, approval, and settlement of rebate provisions against open invoices or deductions, with appropriate workflow and controls in place.
• Help ensure customer rebate programs and deductions are properly classified, documented, approved, and reflected in accounts receivable and financial reporting.
• Identify recurring rebate or deduction root causes and recommend process improvements that reduce errors and increase efficiency.

The Ideal Person

• 5+ years of experience in financial analysis, FP&A, or a related role, ideally in a fast-paced or scaling company
• Bachelor's degree in Finance, Accounting, Business, or a related field
• Advanced Excel skills; familiarity with BI tools (e.g., Tableau, Power BI), ERP systems (Microsoft Dynamics 365 - D365), and financial platforms
• Demonstrated ability to proactively identify opportunities, anticipate business needs, and take initiative
• Naturally curious, with a strong desire to understand the “why” behind the numbers and business drivers
• Strong proficiency in financial modeling, forecasting, and quantitative analysis
• Experience using data to create high-level insights and strategic recommendations
• Excellent verbal and written communication skills; able to clearly present financial information to all audiences
• Comfortable working under tight deadlines and managing competing priorities
• Experience mentoring or coaching others, even outside formal reporting lines, is a plus

About Four Hands