Senior Manager, FP&A

Questrade Financial Group•Toronto, ON

7d•CA$140,000 - CA$170,000•Hybrid

About The Position

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.

Requirements

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
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

Nice To Haves

CPA / CFA / MBA an asset

Responsibilities

Maintain the multi-scenario LRP across originations, A/R, Net Revenue GP, OPEX, and Net Income — four-year horizon, full audit trail
Model the P&L for each growth pillar: Installment Loans, Balance Transfer, White-Label retail partnerships, and Merchant Vendor Employee Offering
Break Net Revenue into components (Interest, MDR, Admin, Deferral, Insurance fees) and maintain defensible assumptions for each growth pillar
Build toggle-ready models flexing CoF, GCO, ATV, penetration, and launch timing — enabling real-time sensitivity exploration with leadership
Own the platform volume projection — Facilities, LOCs, Promo Loans, Installment, Balance Transfer — by growth pillar and scenario
Translate record volumes into capacity cost scenarios to support commercial negotiation
Maintain the derivation chain: Originations → ATV → Accounts → Transactions → Promo Loans → Facilities → Total Records — for each growth pillar independently
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
Deliver monthly variance analysis decomposed into volume, yield, cost, and mix effects with forward-looking actions
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
Own the planning assumptions register (ATV, attrition, promo transaction rate, CoF, GCO, launch timing) with version control across iterations
Financial partner for the LRP strategy deck, Board materials, and merchant partnership economics — MDR sharing, co-brand costs, deal structuring
Translate platform design decisions into financial impacts — Temenos record lifecycle assumptions, migration scope, pricing tier sensitivity
Prepare and present multi-pillar financial analysis for C-suite and Board — complex inputs, clear narrative output.
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
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
Develop merchant profitability models quantifying MDR economics, co-brand program costs, and net contribution by retail partner
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
Write SQL to extract and validate data independently; build formula-driven models with clean input separation and full audit trail