About Questrade Financial Group (QFG)QFG, through its companies—Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti—provides securities, foreign currency investment, professionally managed portfolios, mortgages, real estate, and more. We use cutting‑edge technology to help Canadians become more financially successful and secure. At QFG, we combine human‑centric collaboration with AI‑driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shape a future where AI empowers our teams.What’s in it for you as an employee of Flexiti?Health & wellbeing resources and programsPaid vacation, personal, and sick daysCompetitive compensation and benefits packagesHybrid work‑life balance with at least 3 days in the officeCareer growth and development opportunitiesOpportunities to contribute to community causesDiverse and inclusive collaborative team experienceSenior Manager, FP&A; – Job OverviewWe 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.ResponsibilitiesLong‑Range Planning & Financial ModellingOwn and maintain the multi‑scenario LRP across originations, A/R, Net Revenue GP, OPEX, and Net Income—four‑year horizon.Model the P&L; for each growth pillar: Installment Loans, Balance Transfer, White‑Label retail partnerships, and Merchant Vendor Employee Offering.Break down Net Revenue into components (Interest, MDR, Admin, Deferral, Insurance fees) and maintain defensible assumptions.Build scenario models flexing CoF, GCO, ATV, penetration,



and launch timing to enable real‑time sensitivity exploration.Platform & Technology FinanceOwn the Temenos volume model, projecting facilities, LOCs, promo loans, installment, and balance transfer volumes by growth pillar and scenario.Translate record volumes into capacity cost scenarios to support commercial negotiation.Maintain the derivation chain for each growth pillar independently.Budgeting, Forecasting & Variance AnalysisLead the annual budget, rolling quarterly forecasts, and mid‑year re‑forecast; set origination targets, yield assumptions, and OPEX envelope.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.Own the planning assumptions register with version control.Business Partnering & Executive CommunicationPartner with Corp Dev & Strategy for the LRP strategy deck, board materials, and merchant partnership economics.Collaborate with Product & Technology to translate platform design decisions into financial impacts.Prepare and present multi‑pillar financial analysis for C‑suite and board.KPI Tracking, Portfolio Analytics & PricingOwn and report on consumer lending KPIs—originations, A/R EOP balance, Net Revenue yield, GCO rate, Cost of Funds, and Net Income per growth pillar.Build and maintain vintage analysis models for customer LTV, cohort performance,



and portfolio seasoning.Develop merchant profitability models for MDR economics and co‑brand program costs.Support pricing decisions with fee structure optimization, MDR rate sensitivity, and promotional term economics.Write SQL for data extraction and validation; build formula‑driven models with clean input separation and audit trail.Qualifications8+ years in FP&A;, corporate finance, investment banking, or management consulting—at least 2 years in consumer lending, fintech, or payments.Experience building complex multi‑scenario financial models: LRP, product P&L;, unit economics.Deep understanding of consumer lending economics—interest income, MDR, Net Revenue yield, GCO, Cost of Funds.Advanced Excel and SQL proficiency.Strong communication skills.Bachelor’s in Finance, Accounting, Economics, or Engineering; CPA, CFA, or MBA an asset.Experience with core banking platform economics and 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 with multi‑pillar growth models.Rigorous, curious, comfortable with ambiguity, and trusted cross‑functionally.Compensation InformationBase salary range: $140,000 – $170,000.Final compensation package will be commensurate with experience, skills, and geographic location (Canada). Includes a comprehensive benefits plan and a competitive incentive (bonus) program for full‑time permanent roles.Equal Opportunity EmploymentWe are committed to fostering a diverse, inclusive and accessible work setting. We treat all individuals with dignity and respect. All employment decisions are made on the basis of skills and merit.Accommodation During RecruitmentWe will work with you to meet recruitment and selection process accommodations.#J-18808-Ljbffr

📌 Senior Manager, Fp&A - C$140,000 - C$170,000 A Year (Winnipeg)
🏢 Questrade Financial Group
📍 Winnipeg