Michael Jopling Email & Phone Number

Jersey City, Nj, Us

Built a three year financial model for the Company's invoice factoring business with a focus on establishing and tracking KPIs including ARR, profit margins, LTV:CAC and operating efficiencies. Authored a monthly reporting package for the executives illustrating the financials, cash runway and various performance metrics. Designed a daily cash forecasting tool. Produced and owned quarterly board materials.

San Francisco, Ca, Us

Lead the team performing monthly forecasting and analysis for the Personal Loan, Home Equity and Credit Card segments while serving as a finance partner to all functions within the Company. Managed the consolidation of the short and long-term total Company forecasts. Directed the planning / budgeting process across 3 product lines and multiple business units for 2 planning cycles.

Austin, Texas, Us

Directed all FP&A functions including annual budget, monthly forecasting and investor reporting, long term corporate model and client level revenue forecasting. Responsible for coordinating and preparing materials for the Board of Directors. Prepared a Covid-19 financial impact model in a matter of hours in March 2020 for executives and investors.

Austin, Texas, Us

Created financial modeling to successfully close $100M Series C in collaboration with the CFO and CBO. Implemented the company’s revenue forecast and lead weekly revenue update meetings with the executive team. Developed and operationalized a monthly business review meeting with a focus on the financials and current cash / cash forecast. Built the ‘bottoms up’ budget for two annual planning cycles.

Austin, Texas, Us

Managed a $300 million P&L for the core business segment by performing monthly forecasting, variance analysis, KPI reporting and all other FP&A related responsibilities. Lead monthly business review meetings with executive leadership. Facilitated the month end close process by loading key financial metrics and data into the company’s Essbase data cube. Provided full FP&A support for the HR, Facilities, Legal and Compliance departments.

Austin, Texas, Us

Provided monthly trend / horizontal analysis related to revenue, commissions and other accounts to facilitate the month end close process. Collaborated with BI or worked independently to enhance existing reporting and develop ad hoc reporting as needed. Monitored proprietary general ledger and accounting systems for data integrity and accuracy. Co-authored a new JIRA process (bug tracking software) for accounting data and systems.

Austin, Texas, Us

Created daily dashboard reporting specifically related to prepaid debit card accounts created through a new partnership with Intuit in order to monitor account usage, suspicious activity and other trends in an effort to prevent tax fraud. Provided weekly and monthly reporting to management regarding losses by card transaction classification. Generated ad hoc analysis and reporting for immediate, company-wide business needs using database queries (SQL) and Microsoft Excel.

Chiyoda-Ku, Tokyo, Jp

Worked with deal team(s) on structured finance transactions (receivable securitizations, commercial paper facilities with exposure to supply chain finance) for clients, primarily Fortune 500 companies.- Maintained and enhanced Excel-based models to calculate advance rates and monthly reports for clients.- Prepared deal memorandums to obtain credit approval for new transactions, renewals, amendments and waivers.- Participated in due diligence and marketing meetings for new and existing clients.- Performed a portfolio management function using an internal database of transaction pricing/terms.- Arranged, lead and/or participated in legal documentation calls to draft and subsequently execute transaction documents including receivable purchase and sale agreements, fee letters, amendments and waivers.- Conducted research utilizing analytics tools from Standard & Poor's, Moody's, Fitch Ratings, Bloomberg and other sources to perform detailed analysis as needed.

Chiyoda-Ku, Tokyo, Jp

Gained understanding of financial modeling and its applications in asset-backed commercial paper securitizations. Assisted in the creation and enhancement of financial models.Prepared or contributed to memorandums summarizing deal performance for internal credit approval purposes. Organized data to create charts and tables illustrating Federal Reserve asset-backed commercial paper statistics, securitization market pricing and pricing trends, various spread levels, conduit outstanding amounts and commitment amounts, and other data used for internal PowerPoint presentations and for customer pitch books.Researched bank clients’ financials (10-Ks and 10-Qs) for accounts receivable securitization opportunities.

Chiyoda-Ku, Tokyo, Jp

Developed knowledge of the asset-backed commercial paper securitization product, particularly related to trade receivables and credit card receivables. Became exposed to multiple product groups within the investment banking division of a major financial institution. Performed special tasks and completed various research and data collection projects as needed for management.

Bachelor Of Science (B.S.), Mechanical Engineering

Mechanical Engineering