Senior Manager, FP&A

What’s in it for you as an employee of Flexiti? Health & wellbeing resources and programs  Paid vacation, personal, and sick days for work-life balance Competitive compensation and benefits packages Work-life balance in a hybrid environment with at least 3 days in office Career growth and development opportunities  Opportunities to contribute to community causes Work with diverse team members in an inclusive and collaborative environment  This job posting is for an existing vacancy We’re looking for our next Senior Manager, FP&A. Could it be you?  We are seeking a highly driven Senior Manager, FP&A to own the financial architecture behind QFG’s consumer lending growth strategy. Reporting to the Head of FP&A, this role leads financial planning, forecasting, performance analysis, and business decision support across the entity. This is a highly visible finance role — the ideal candidate brings strong financial acumen, advanced analytical capability, rigorous financial modelling expertise with a genuine curiosity to understand the drivers behind the numbers.   Need more details? Keep reading… In this role, responsibilities include but are not limited to: Long-Range Planning & Financial Modelling LRP ownership: Maintain the multi-scenario LRP across originations, A/R, Net Revenue GP, OPEX, and Net Income — four-year horizon, full audit trail Initiative sizing: Model the P&L for each growth pillar: Installment Loans, Balance Transfer, White-Label retail partnerships,  and Merchant Vendor Employee Offering Revenue decomposition: Break Net Revenue into components (Interest, MDR, Admin, Deferral, Insurance fees) and maintain defensible assumptions for each growth pillar Scenario analysis: Build toggle-ready models flexing CoF, GCO, ATV, penetration, and launch timing — enabling real-time sensitivity exploration with leadership Platform & Technology Finance  Temenos volume model: Own the platform volume projection — Facilities, LOCs, Promo Loans, Installment, Balance Transfer — by growth pillar and scenario Volume-to-cost bridge: Translate record volumes into capacity cost scenarios to support commercial negotiation Initiative traceability: Maintain the derivation chain: Originations → ATV → Accounts → Transactions → Promo Loans → Facilities → Total Records — for each growth pillar independently Budgeting, Forecasting & Variance Analysis Annual budget & rolling forecast: Lead the annual budget, rolling quarterly forecasts, and mid-year re-forecast; set origination targets, yield assumptions, and OPEX envelope by growth pillar — with clear bridge analysis from budget and prior forecast at each cycle Variance reporting: Deliver monthly variance analysis decomposed into volume, yield, cost, and mix effects with forward-looking actions Quarterly Board reporting: Prepare quarterly Board and executive reporting packages — performance vs LRP, initiative-level P&L scorecard, portfolio health metrics, and forward-looking re-forecast — synthesising complexity into a concise narrative for senior audiences Assumption governance: Own the planning assumptions register (ATV, attrition, promo transaction rate, CoF, GCO, launch timing) with version control across iterations Business Partnering & Executive Communication Corp Dev & Strategy: Financial partner for the LRP strategy deck, Board materials, and merchant partnership economics — MDR sharing, co-brand costs, deal structuring Product & Technology: Translate platform design decisions into financial impacts — Temenos record lifecycle assumptions, migration scope, pricing tier sensitivity Leadership communication: Prepare and present multi-pillar financial analysis for C-suite and Board — complex inputs, clear narrative output. KPI Tracking, Portfolio Analytics & Pricing Consumer lending KPIs: Own and report on key performance metrics — originations, A/R EOP balance, Net Revenue yield, GCO rate, Cost of Funds, and Net Income by growth pillar — tracking performance against plan and surfacing variances early Vintage & LTV analysis: Build and maintain vintage analysis models to track customer LTV, cohort-level performance, and portfolio seasoning — providing early visibility into credit quality and revenue yield trends Merchant profitability: Develop merchant profitability models quantifying MDR economics, co-brand program costs, and net contribution by retail partner Pricing analytics: Support pricing decisions with analytical frameworks — fee structure optimization, MDR rate sensitivity, Cost of Funds pass-through, and promotional term economics — translating pricing changes into P&L impact Data & systems: Write SQL to extract and validate data independently; build formula-driven models with clean input separation and full audit trail So are YOU our next Senior Manager, FP&A.? You are, if you… 8+ years in FP&A, corporate finance, investment banking, or management consulting — with at least 2 years in consumer lending, fintech, or payments Demonstrated experience building complex multi-scenario financial models: LRP, product P&L, and unit economics Deep understanding of consumer lending economics — interest income, MDR, Net Revenue yield, GCO, Cost of Funds, PCL mechanics Advanced Excel and proficiency in SQL Strong communication skills  Bachelor’s in Finance, Accounting, Economics, or Engineering; CPA / CFA / MBA an asset Experience with core banking platform economics and platform migration financial modelling Exposure to white-label or co-branded consumer credit programs, or retail financial services partnerships LRP experience in a high-growth environment — building and maintaining multi-pillar growth models as the business scales Rigorous, curious, comfortable with ambiguity and trusted cross-functionally Compensation Information: Base salary range: $140,000 - $170,000 The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full-Time Permanent roles. Sounds like you? Click below to apply! #LI-Hybrid #LI-JW1