FP&A Senior Manager/Director

FP&A Senior Manager / Director – Lead Strategic Finance at Mstar, a Fintech Transforming Credit Access in LATAM
Mstar
is a leading fintech in automotive financing and secured lending, transforming how individuals and businesses access credit across Latin America. By combining technology, advanced analytics, and data-driven risk models, we are building a financial ecosystem that is more inclusive, agile, and transparent.
Role Overview
With strong momentum and ambitious expansion ahead, we are looking for an
FP&A Senior Manager or Director
with strong experience in
lending products
,
financial modeling
, and
strategic analysis
. This is a highly visible role reporting to the Head of Finance / CFO, responsible for driving financial planning, building scalable models, supporting fundraising, analyzing portfolio performance, and partnering with cross-functional teams (credit, sales, operations).
The ideal candidate is
analytical, resourceful, hands-on, and a self-starter
who thrives in a fast-paced, high-growth startup environment. Fluent English is required due to frequent interactions with global investors and partners.
Key Responsibilities
Financial Planning & Forecasting
Own the full company financial model, including revenue, credit portfolio, funding cost, opex, and cash flow forecasts.
Lead monthly/quarterly planning cycles; prepare board- and investor-level reporting packages.
Build long-term financial scenarios to support strategic decision-making and capital planning.
Lending Product & Portfolio Analytics
Analyze loan performance: disbursements, acquisition costs, credit losses, recovery rates, and profitability.
Partner with Credit and Risk teams to integrate model outputs into forecasting and reserve planning.
Build dashboards and KPI tracking for cohort performance, unit economics, and lifetime value.
Financial Modeling & Business Case Development
Develop robust bottom-up models for new products, channel economics, pricing strategies, and credit warehouse structures.
Conduct sensitivity analysis, stress testing, and scenario modeling for credit, funding, and FX risks.
Support fundraising (credit lines, equity rounds, securitization modeling, lender reporting).
Cross-Functional Business Partnering
Work closely with Operations, Sales, Credit, Legal, and Treasury to align financial plans with business needs.
Provide insights and recommendations that support faster scaling, cost efficiency, and portfolio optimization.
Reporting & Controls
Prepare monthly management reports, business reviews, and investor updates.
Strengthen financial processes, accuracy, and data governance as the company scales.
Partner with accounting on month-end close, reconciliations, and variance analysis.
People Management
Lead and develop a team of two analysts, providing coaching, prioritization guidance, technical training, and performance feedback.
Build a high-performing analytical team and establish scalable workflows.
Qualifications
Must-Have
10+ years of FP&A / Strategic Finance experience
, ideally in
lending (consumer, auto, fintech, banking)
.
Deep understanding of
loan economics
: APR, CAC/LTV, delinquency, charge-offs, recoveries, funding cost, NPV.
Strong financial modeling and analytical skills (Excel / Sheets).
Proven experience in forecasting, budgeting, and building scalable planning frameworks.
Fluent in
English
(spoken and written).
Self-starter
with the ability to work independently and thrive in a fast-paced environment.
Strong business judgment, ownership mentality, and ability to influence cross-functional partners.
Preferred
Experience in auto finance, consumer lending, or credit analytics.
Exposure to credit warehouse financing or securitization structures.
Experience in a high-growth startup environment.
Location
Mexico City – On-site modality