Manager, Finance - Unsecured Lending

Questrade Financial Group•Toronto, ON

65d•$105,000 - $135,000•Hybrid

About The Position

Questrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, Zolo, and Flexiti Financial Inc., provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. Questrade uses cutting-edge technologies to develop innovative products that give customers better, more affordable ways to take control of their money. We are everything a traditional financial institution is not. At QFG, you will be constantly moving forward, bringing the future of fintech into existence. You will be a part of a collaborative team that cares deeply about our mission and each other. Your team members will help you conquer challenges, push boundaries and discover what you are truly capable of. At QFG, we have a culture of innovation where technology serves people—both our team and our customers. We see AI as a collaborative and transformative enabler, and we are seeking forward-thinking individuals who can effectively integrate it into their daily work. The ideal candidate will be a catalyst for change, helping us use AI to create a more efficient and rewarding employee experience while also developing cutting-edge solutions that delight and serve our customers. Join us in shaping a future where AI empowers our team to do their best work and helps us deliver unparalleled customer experiences. This is a place where you can explore, discover and learn with continuous growth. As a diverse and inclusive place to work, with a hybrid working environment you can unleash your creativity and curiosity with no limits. If you share the same sense of infinite possibility, come shape your future at QFG. The Manager, Finance – Controllership (Unsecured Lending) is a critical role responsible for overseeing the financial integrity, reporting, and control environment for Questbank’s Credit Card and Unsecured Lending portfolios. Reporting to the Director, Accounting & Financial Operations, you will lead the month-end close process, ensure adherence to IFRS and regulatory standards, and provide insightful analysis on portfolio performance to senior leadership. This role acts as a primary liaison between business units, treasury, and corporate reporting teams to ensure accurate financial representation of these high-volume retail products.

Requirements

Hold a Bachelor’s degree in Business, Finance, or Accounting
Hold a professional accounting designation (CPA)
Have 5+ years of progressive experience in finance or accounting, preferably within a Schedule 1 Canadian Bank or a large financial institution
Have a deep understanding of IFRS (specifically IFRS 9 for financial instruments)
Have experience with retail banking products, specifically Credit Cards or Unsecured Loans
Have Advanced proficiency in Microsoft Excel (modeling, macros) and financial reporting systems (e.g., SAP, Oracle, or Hyperion)
Are exceptionally accurate in financial reporting with a "no-surprises" approach to the control environment
Have strong verbal and written communication skills to explain financial results to non-finance business partners and senior executives
Are able to manage multiple priorities and tight deadlines during peak reporting cycles while maintaining a focus on continuous improvement

Nice To Haves

Are familiar with data visualization tools (e.g., Tableau, Power BI) and SQL for data extraction
Are able to distill complex data into clear financial stories and identify trends or anomalies in large lending portfolios

Responsibilities

Leading the month-end, quarter-end, and year-end financial close processes for the Credit Card and Unsecured Lending portfolios.
Ensuring accurate recording of revenue (interest, fees), expenses, and loan loss provisions in accordance with IFRS 9.
Preparing and reviewing monthly financial statement packages, including P&L and Balance Sheet variance analysis against budget and forecast.
Maintaining a robust internal control environment (SOX/Bill 198) over financial reporting for lending products.
Performing periodic reconciliations of sub-ledgers to the general ledger to ensure data integrity.
Assisting in coordinating with internal and external auditors during quarterly and annual audits.
Supporting the preparation of regulatory filings (e.g., OSFI returns) related to unsecured lending assets.
Developing and tracking key performance indicators (KPIs) such as Net Interest Margin (NIM), yield, and cost of funds for the lending business.
Providing data-driven insights and reporting to business partners to support strategic decision-making and product pricing.
Identifying and implementing process efficiencies in financial reporting and data collection.
Acting as a subject matter expert on accounting treatments for new product launches or changes in credit card loyalty programs.