FP&A Senior Manager/Director

About the Company

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.

About the Role

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).

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
• 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.
• 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

• 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.

We Offer

• Competitive salary based on experience
• Legal benefits + superior benefits
• Job stability
• Professional growth opportunities
• Collaborative work environment