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 12 ATV 12 Accounts 12 Transactions 12 Promo Loans 12 Facilities 12 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
