Job Description

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 programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment
This job posting is for an existing vacancy
We’re looking for our next Senior Manager, FP&A. Could it be you?
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.

Need more details? Keep reading…

In this role, responsibilities include but are not limited to:
Long-Range Planning & Financial Modelling
• LRP ownership: Maintain the multi-scenario LRP across originations, A/R, Net Revenue GP, OPEX, and Net Income — four-year horizon, full audit trail
• Initiative sizing: Model the P&L for each growth pillar: Installment Loans, Balance Transfer, White-Label retail partnerships, and Merchant Vendor Employee Offering
• Revenue decomposition: Break Net Revenue into components (Interest, MDR, Admin, Deferral, Insurance fees) and maintain defensible assumptions for each growth pillar
• Scenario analysis: Build toggle-ready models flexing CoF, GCO, ATV, penetration, and launch timing — enabling real-time sensitivity exploration with leadership

Platform & Technology Finance
• Temenos volume model: Own the platform volume projection — Facilities, LOCs, Promo Loans, Installment, Balance Transfer — by growth pillar and scenario
• Volume-to-cost bridge: Translate record volumes into capacity cost scenarios to support commercial negotiation
• Initiative traceability: Maintain the derivation chain: Originations → ATV → Accounts → Transactions → Promo Loans → Facilities → Total Records — for each growth pillar independently

Budgeting, Forecasting & Variance Analysis
• Annual 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 cycle
• Variance reporting: Deliver monthly variance analysis decomposed into volume, yield, cost, and mix effects with forward-looking actions
• Quarterly 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 audiences
• Assumption governance: Own the planning assumptions register (ATV, attrition, promo transaction rate, CoF, GCO, launch timing) with version control across iterations

Business Partnering & Executive Communication
• Corp Dev & Strategy: Financial partner for the LRP strategy deck, Board materials, and merchant partnership economics — MDR sharing, co-brand costs, deal structuring
• Product & Technology: Translate platform design decisions into financial impacts — Temenos record lifecycle assumptions, migration scope, pricing tier sensitivity
• Leadership communication: Prepare and present multi-pillar financial analysis for C-suite and Board — complex inputs, clear narrative output.

KPI Tracking, Portfolio Analytics & Pricing
• Consumer 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 early
• Vintage & 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 trends
• Merchant profitability: Develop merchant profitability models quantifying MDR economics, co-brand program costs, and net contribution by retail partner
• Pricing 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 impact
• Data & systems: Write SQL to extract and validate data independently; build formula-driven models with clean input separation and full audit trail

So are YOU our next Senior Manager, FP&A.? You are, if you…
• 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; CPA / CFA / MBA an asset
• 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
Compensation Information:
• Base salary range: $140,000 - $170,000
• The 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.
Sounds like you? Click below to apply!
#LI-Hybrid #LI-JW1

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.

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.

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.