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!

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