Responsibilities:

Financial Planning and Analysis (FP&A):

• Lead the development and implementation of financial planning processes, including annual budgets, quarterly forecasts, and long-term strategic plans.
• Conduct comprehensive financial analyses to provide insights into business performance, identify areas for improvement, and support decision-making by senior management.
• Analyze credit and debit transaction data to identify trends, patterns, and opportunities for optimization.
• Develop dashboards and reports to track key performance indicators related to credit and debit usage, delinquency rates, fraud detection, and customer behavior.
• Provide actionable insights to senior management to support decision-making and drive continuous improvement in credit and debit product offerings.

Budget Management:

• Manage the company's budgeting process, working closely with department heads to establish budget targets and monitor performance against financial goals.
• Track expenses, analyze variances, and implement corrective actions as needed to ensure alignment with budgetary constraints and strategic priorities.

Financial Reporting and Compliance:

• Ensure timely and accurate preparation of financial statements, including income statements, balance sheets, and cash flow statements, in accordance with GAAP and regulatory requirements.
• Coordinate with external auditors to facilitate annual audits and compliance reviews, addressing any audit findings and implementing recommendations for process improvements.

Cash Flow Management:

• Monitor cash flow projections and liquidity requirements to optimize the company's cash position and ensure adequate funding for operational needs and strategic investments.
• Implement cash management strategies to maximize returns on idle cash balances while minimizing financial risk.

Risk Management:

• Identify financial risks and opportunities and develop strategies to mitigate risks and capitalize on opportunities.
• Implement internal controls and procedures to safeguard company assets and ensure compliance with relevant regulations and industry standards.

Financial Modeling and Forecasting:

• Develop and maintain financial models to support strategic decision-making, scenario analysis, and sensitivity testing.
• Utilize advanced forecasting techniques to predict future financial performance and assess the impact of various business initiatives on profitability and growth.