Finance Manager

Ratehub•Toronto, ON

13d•Remote

About The Position

Ratehub is a unique Canadian Fintech company focused on helping Canadians make better financial choices across saving, spending, borrowing, investing, and protecting. Through digital application technology and award-winning in-house brokerages, Ratehub assists over 2 million Canadians monthly in improving their finances. The company operates multiple businesses including mortgage, life, and home/auto insurance brokerages, a mortgage origination and servicing business, a Financial Services Marketplace, and content platforms like Ratehub and MoneySense. This role is not a traditional Finance Manager position; it is envisioned as a CFO of a business vertical, specifically Mortgages, requiring ownership of the full financial and operational picture. The role reports to the VP, Finance & Operations (or interim CEO) and partners closely with the Business Unit Leader, acting as a strategic finance partner in areas such as pricing, marketing ROI, accounting, planning, and performance reporting.

Requirements

5+ years of overall finance and accounting experience required, with time already spent as a manager within a Finance/Accounting function.
Financial operational experience within industry required with demonstrated experience building and refining processes and systems.
Demonstrated ability to operate as a finance business partner to operational leaders, not just a reporting function.
Strong financial modeling skills with the ability to translate complex data into clear executive-level narratives.
Hands-on experience working with Salesforce — understanding how to extract, interpret, and connect CRM data to financial reporting and revenue analysis.
Excellent Google Sheets/Excel skills.
The right attitude for a PE-backed, high-growth environment — you are comfortable with ambiguity, energized by pace, and willing to do the hard work yourself while building the team around you.
You can zoom out to lead and zoom in to execute — switching between ground-level detail and big-picture strategy without losing altitude on either.
Prior people leadership experience — you know how to develop analysts and build a team.

Nice To Haves

Mortgage industry experience a HUGE plus!
CPA designation strongly preferred

Responsibilities

Own the monthly, quarterly, and annual close process end-to-end, including review of journal entries and accruals.
Maintain and enforce the close calendar; coordinate deliverables across internal teams to meet deadlines.
Prepare and review balance sheet reconciliations monthly; ensure all accounts are substantiated and variances explained.
Prepare financial statements in accordance with IFRS, including notes and supporting schedules.
Liaise with external auditors during year-end audit.
Document accounting policies and procedures; ensure team adherence and consistency across reporting periods.
Support external and internal audits by maintaining audit-ready documentation and clear working paper trails.
Identify and implement tools and workflows that drive efficiency in revenue recognition, month-end close, and KPI reporting.
Build systems and processes that reduce manual effort and increase accuracy and speed across the finance function.
Leverage Salesforce and other platforms to connect operational and financial data for more effective reporting and analysis.
Serve as the embedded finance leader for the Mortgage Business Unit, partnering daily with the Business Unit Leader on operational and strategic decisions.
Own the financial narrative for the BU — translating numbers into insights that drive action across pricing, marketing, and growth initiatives.
Prepare monthly BU performance reporting for the CEO, Board, and Investors.
Contribute to quarterly board decks and investor updates with clear, compelling financial storytelling.
Own the annual budget and quarterly forecast processes for the Mortgage BU.
Build and maintain dynamic financial models that support scenario planning and executive decision-making.
Lead pricing analysis and modeling for the BU, including rate competitiveness, margin optimization, and industry specific economics.
Track performance against BU targets, flagging risks and opportunities for optimization.
Lead, mentor, and develop a team of financial analysts.
Build a high-performance finance function within the Mortgage BU that scales with the business.
Model the right culture — hands-on when needed, strategic when it counts.