Senior Finance Business Partner - Lending

Key Responsibilities

• Own the annual Lending budget process: origination volumes by market and partner, revenue by product (partner-funded vs own-funded), ECL provision expense, operating costs 
• Build 5-year Lending forecast: origination growth trajectories, partner mix evolution, own-funded portfolio build-up, margin improvement path, path-to-profitability
• Own monthly rolling forecasts: update origination volume assumptions, default rate projections, and revenue forecasts based on latest performance data
• Growth stress testing: model impact of aggressive vs conservative origination scenarios on working capital requirements, P&L, and cash flow
• Scenario modeling: quantify impact of pricing changes (interest rates, tenor), approval rate adjustments, marketing spend allocation, and partner mix shifts on portfolio profitability

• Own weekly and monthly lending performance dashboards: origination volumes, loan sizes, approval rates, disbursement rates, default rates, net interest margin by partner and market
• Monthly plan-fact variance analysis: explain every material variance in origination volume, portfolio quality, and revenue performance with root cause analysis and commercial recommendations
• Deep-dive variance analysis when origination is significantly over or underperforming vs budget
• Track partner-funded vs own-funded lending performance separately with clear unit economics comparison - which model is more profitable at what scale?
• Build and maintain loan portfolio analytics: cohort behavior, delinquency trends, roll rates - translate these into early warning flags for business leadership

• Own the Lending P&L narrative: prepare monthly and quarterly performance summaries for the Commercial Lending Lead and senior leadership - what's working, what's not, why, and what to do about it
• Work closely with financial reporting and financial controllers to ensure the Money P&L is accurate and reflects true business economics
• ECL provision oversight: partner with risk team and controllers to validate that ECL provision posted to the P&L makes commercial sense - review default rate assumptions, recovery rate assumptions, and macroeconomic overlays against observed portfolio performance. ECL is one of Money's biggest expenses - you need to understand it deeply and flag when it's over/under-stated
• Challenge and validate reported actuals: revenue figures, admin fees, partner revenue share payments, collections costs, payroll, and marketing spend from accounting systems match business reality before using them in forecasts and analysis - flag anomalies and resolve unexplained variances with central finance

• Understand the Lending strategy deeply: partner priorities, market expansion roadmap, product priorities
• Translate strategy into financial implications: if the strategy is to shift from partner-funded to own-funded over 24 months, model the working capital requirement, margin impact, and risk profile change working with relevant stakeholders
• Challenge Lending Commercial Lead on growth targets
• Business case modeling for strategic initiatives: new market entries, new product launches, new partnership agreements - provide financial perspective on which bets to make

• Build partner economics model: revenue per loan, partner take rates, inDrive net revenue by partnership - identify which partnerships are most profitable and why
• New partnership due diligence: build unit economics models for prospective lending partners, revenue share sensitivity analysis, path-to-break-even projections
• Own-funded vs partner-funded transition modeling: at what origination volume does own-funding become more profitable? What are the working capital implications

• Migrate lending reporting from manual spreadsheets to Workday and Tableau
• Standardize KPI definitions across markets and partners to enable clean consolidated reporting
• Work with financial controllers to ensure you're consuming clean, reconciled data - you validate commercial logic and business performance, they validate accounting accuracy and technical compliance

Qualifications

• 4+ years experience in FP&A, commercial finance, or finance business partnering, in financial services, fintech, or lending businesses
• Strong business partnering capability: proven ability to build trusted relationships with cross-functional business teams (product, operations, risk, marketing). You will be embedded with the core Lending team and need to operate as their finance partner, not a distant reporter - this requires curiosity about the business, proactive engagement, and the credibility to be consulted on strategic decisions
• Strong Excel skills: able to work with large loan-level datasets, build pivot tables, cohort analysis, and create dynamic dashboards
• Experience with lending economics (origination volume, loan size, interest rates, default rates, net interest margin, vintage analysis, ECL provisions) is a strong advantage
• Proven experience owning annual budgets and multi-year forecasts - you should be comfortable building 5-year models from first principles
• Deep variance analysis capability: able to explain performance gaps with root cause analysis and actionable recommendations
• Understanding of credit risk concepts (ECL provisions, default rates, roll rates, recovery rates) - you need to validate that provisions make commercial sense and aren't distorting P&L
• Familiarity with partnership revenue share models and unit economics preferred
• Strategic finance mindset: you understand the business strategy deeply enough to translate it into financial implications and challenge unrealistic assumptions
• Commercial partnership capability: comfortable working with financial controllers and risk teams to ensure P&L accuracy without doing their technical work
• Strong communication skills: ability to translate loan portfolio performance into business insights for non-finance audiences and present to senior leadership
• Self-starter who can work independently in a fast-paced environment with evolving processes
• Fluent English is required; Portuguese or Spanish is a strong plus.

Why join us

• Help us challenge injustice by creating fair choices for millions of people across 1100+ cities in 48 countries.
• Develop your professional skills with access to mentoring, career consulting, and learning programs.
• Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program.
• Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects.
• Work alongside people who take initiative, speak openly, and challenge themselves to grow.
• Improve your language skills through co-financed courses and internal speaking clubs.