Questrade Financial Group (QFG), through its companies - Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, 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. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work.Join our diverse, inclusive and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.What’s in it for you as an employee of Flexiti?Health & wellbeing resources and programsPaid vacation, personal, and sick days for work‑life balanceCompetitive compensation and benefits packagesWork‑life balance in a hybrid environment with at least 3 days in officeCareer growth and development opportunitiesOpportunities to contribute to community causesWork with diverse team members in an inclusive and collaborative environmentThis job posting is for an existing vacancySenior Manager, FP&AWe’re looking for our next Senior Manager, FP&A. Could it be you? We’re 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.ResponsibilitiesLong‑Range Planning & Financial ModellingLRP ownership: Maintain the multi‑scenario LRP across originations, A/R, Net Revenue GP, OPEX, and Net Income — four‑year horizon, full audit trailInitiative sizing: Model the P&L for each growth pillar: Installment Loans, Balance Transfer, White‑Label retail partnerships, and Merchant Vendor Employee OfferingRevenue decomposition: Break Net Revenue into components (Interest, MDR, Admin, Deferral, Insurance fees) and maintain defensible assumptions for each growth pillarScenario analysis: Build toggle‑ready models flexing CoF, GCO, ATV, penetration, and launch timing — enabling real‑time sensitivity exploration with leadershipPlatform & Technology FinanceTemenos volume model:



Own the platform volume projection — Facilities, LOCs, Promo Loans, Installment, Balance Transfer — by growth pillar and scenarioVolume‑to‑cost bridge: Translate record volumes into capacity cost scenarios to support commercial negotiationInitiative traceability: Maintain the derivation chain: Originations → ATV → Accounts → Transactions → Promo Loans → Facilities → Total Records — for each growth pillar independentlyBudgeting, Forecasting & Variance AnalysisAnnual budget & rolling forecast: 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 cycleVariance reporting: Deliver monthly variance analysis decomposed into volume, yield, cost, and mix effects with forward‑looking actionsQuarterly Board reporting: 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 audiencesAssumption governance: Own the planning assumptions register (ATV, attrition, promo transaction rate, CoF, GCO, launch timing) with version control across iterationsBusiness Partnering & Executive CommunicationCorp Dev & Strategy: Financial partner for the LRP strategy deck, Board materials, and merchant partnership economics — MDR sharing, co‑brand costs, deal structuringProduct & Technology: Translate platform design decisions into financial impacts — Temenos record lifecycle assumptions, migration scope, pricing tier sensitivityLeadership communication: Prepare and present multi‑pillar financial analysis for C‑suite and Board — complex inputs, clear narrative output.KPI Tracking, Portfolio Analytics & PricingConsumer lending KPIs: 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 earlyVintage & LTV analysis: 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 trendsMerchant profitability:



Develop merchant profitability models quantifying MDR economics, co‑brand program costs, and net contribution by retail partnerPricing analytics: 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 impactData & systems: Write SQL to extract and validate data independently; build formula‑driven models with clean input separation and full audit trailQualifications8+ years in FP&A, corporate finance, investment banking, or management consulting — with at least 2 years in consumer lending, fintech, or paymentsDemonstrated experience building complex multi‑scenario financial models: LRP, product P&L, and unit economicsDeep understanding of consumer lending economics — interest income, MDR, Net Revenue yield, GCO, Cost of Funds, PCL mechanicsAdvanced Excel and proficiency in SQLStrong communication skillsBachelor’s in Finance, Accounting, Economics, or Engineering; CPA / CFA / MBA an assetExperience with core banking platform economics and platform migration financial modellingExposure to white‑label or co‑branded consumer credit programs, or retail financial services partnershipsLRP experience in a high‑growth workplace — building and maintaining multi‑pillar growth models as the business scalesRigorous, curious, comfortable with ambiguity and trusted cross‑functionallyCompensation InformationBase salary range: $140,000 - $170,000The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full‑Time Permanent roles.Diversity & InclusionAt 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.Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review.#J-18808-Ljbffr

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