About the Role

Digipay’s Financial Planning & Analysis (FP&A) team is looking for an experienced Business Finance professional who can analyze financial and business performance and support management decision-making.

The role focuses on budgeting and forecasting, financial performance, product and business-line profitability, financial modeling, KPI management, and business partnering.

The successful candidate should be able to use financial and operational data to generate actionable insights, identify key performance drivers, uncover growth and profitability opportunities, and assess the impact of business decisions on P&L and cash flow.

Responsibilities

·  Analyze P&L, revenue, costs, margins, cash flow, and profitability across the company, products, and business lines.

·  Lead and actively contribute to budgeting, forecasting, and rolling forecast processes, including Actual vs. Budget / Forecast analysis.

·  Analyze financial and operational data to identify opportunities for revenue growth, margin improvement, cost optimization, and higher profitability.

·  Monitor product and business-line performance and identify key drivers of growth, underperformance, and improvement opportunities.

·  Analyze product unit economics and recommend actions to improve economics and profitability.

·  Develop and evaluate financial models, business cases, scenario analyses, and sensitivity analyses for business decisions and new opportunities.

·  Define financial and operational KPIs, set targets, monitor performance, and analyze the drivers of deviations from targets.

·  Turn data into clear, actionable insights that support growth, performance improvement, and profitability.

·  Financially evaluate new opportunities and initiatives and help prioritize them based on expected financial impact.

·  Connect operational KPIs to financial outcomes and assess the impact of business actions on revenue, margin, profitability, and cash flow.

·  Work closely with Finance, Product, Data, Risk, Credit, and Marketing teams and act as a Finance Business Partner for teams across the company.

·  Present financial analyses, opportunities, risks, and recommendations to management in a clear and decision-oriented manner.

·  Perform ad hoc analyses based on management and business needs.

Required Financial Knowledge & Skills

·  Strong understanding of P&L structure and analysis.

·  Ability to analyze revenue, cost, margin, and profitability.

·  Hands-on experience in budgeting, forecasting, and variance analysis.

·  Ability to build and develop financial models and business cases.

·  Strong understanding of product unit economics.

·  Ability to analyze profitability across products and business lines.

·  Ability to perform scenario analysis and sensitivity analysis.

·  Good understanding of cash flow, working capital, and the cash conversion cycle.

·  Working knowledge of IRR, NPV, and cost of money.

·  Ability to define KPIs, set targets, and analyze performance against them.

·  Ability to extract insights from data and translate them into growth opportunities or actionable recommendations.

·  Good understanding of business models and key financial drivers.

Data & Analytical Tools

·  Advanced Excel and financial modeling skills.

·  Ability to analyze financial and operational data and generate actionable insights.

·  Working knowledge of SQL.

·  Ability to work with Power BI and management dashboards.

·  Ability to validate and quality-check data used in financial analysis.

Nice to Have

·  Experience in FinTech, LendTech, banking, or payments.

·  Experience in business partnering with different teams across an organization.

·  Experience in digital and data-driven businesses.

·  Experience with Power BI, Metabase, or other BI tools.

·  Experience with Python and libraries such as Pandas and NumPy.

·  Familiarity with forecasting models and statistical techniques.

Personal Competencies

·  Strong analytical and problem-solving mindset.

·  Ability to identify growth and profitability opportunities through data.

·  Ability to identify the root causes of performance changes and key business drivers.

·  High attention to numerical accuracy and analytical quality.

·  Ability to challenge assumptions and provide a finance perspective.

·  Ability to work effectively with managers and cross-functional teams.

·  Ability to manage multiple priorities simultaneously.

·  Strong presentation and communication skills.

·  Ownership and follow-through until results are achieved.