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 #J-18808-Ljbffr