Senior Manager, FP&A

North American Centre, 5700 Yonge St, North York, ON M2N 5M9, Canada

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.

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

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.

In this role, responsibilities include but are not limited to:

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

Temenos volume model:
Own the platform volume projection — Facilities, LOCs, Promo Loans, Installment, Balance Transfer — by growth pillar and scenario

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

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…