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About the Role

This role leads financial planning, forecasting, performance analysis, and business decision support across the entity, focusing on the financial architecture behind QFG’s consumer lending growth strategy. The ideal candidate brings strong financial acumen, advanced analytical capability, and rigorous financial modelling expertise with a genuine curiosity to understand the drivers behind the numbers.

Responsibilities

• Own 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
• Decompose 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
• Act as 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

Requirements

• 8+ years in FP&A, corporate finance, investment banking, or management consulting
• 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
• 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

Skills

• Advanced Excel
• Proficiency in SQL
• Strong communication skills

Location

• Canada

Work Type

• Hybrid

Experience Level

• Senior Manager

Education Level

• Bachelor’s in Finance, Accounting, Economics, or Engineering
• CPA / CFA / MBA an asset

Salary/Compensations

• Base salary range: $140,000 - $170,000
• Comprehensive benefits plan
• Competitive incentive (bonus) program

Benefits

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days
• Competitive compensation and benefits packages
• Career growth and development opportunities
• Opportunities to contribute to community causes

About the Company

• Questrade Financial Group (QFG) provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more.
• We use cutting-edge technology to help Canadians become much more financially successful and secure.
• At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services.
• Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening.

Equal Opportunity

• At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment.
• This is an environment where individuals are treated with dignity and respect.
• Here, the unique skills and experience you bring will be valued.
• You will be supported and motivated, so that you can harness your unlimited potential.
• Our team reflects the diversity of the communities we serve and operate in.
• Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.
• Candidates selected for an interview will be contacted directly.
• If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.