Head of Financial Planning

Overview

This role supports general-purpose, short-term, real estate-collateralized commercial lending for small and medium-sized businesses across the United States. The organization is U.S.-based.

The standard work schedule is 9:00 AM to 6:00 PM Eastern Time, Monday through Friday, with additional hours as business needs require.

Responsibilities

• Lead company-wide budgeting, forecasting, financial planning, and management reporting.
• Manage the annual budget, periodic reforecasts, and long-term financial plans, including departmental submissions, planning assumptions, and deadlines.
• Develop and maintain consolidated income statement, balance sheet, and cash-flow forecasts, incorporating operating expense and headcount plans.
• Oversee origination and loan portfolio forecasting, including nonperforming loans (NPL), real estate owned (REO), recoveries, and the financial impact of portfolio performance.
• Forecast cash requirements, liquidity, financing facility utilization, and covenant compliance in coordination with Accounting and Treasury; evaluate capital needs under different business scenarios.
• Build and review financial models, scenario analyses, and sensitivity analyses to assess growth plans, financing alternatives, and changes in business conditions.
• Evaluate channel and product profitability, unit economics, pricing, and proposed business initiatives.
• Prepare management reports comparing actual results with budgets and forecasts, explain significant variances, and recommend corrective actions.
• Partner with department heads to review assumptions, assess staffing and expenditure requests, and address financial and operating performance.
• Prepare and present financial plans, forecasts, performance analyses, and recommendations to executive teams, investors, and boards.
• Apply U.S. GAAP and IFRS to financial planning and reporting, working with Accounting to ensure forecasts reflect the appropriate accounting treatment.
• Manage FP&A team leaders and analysts, assign priorities, review work, and provide coaching and performance feedback.
• Establish and maintain controls over financial models and reports, including documented assumptions, supporting schedules, reconciliations, version control, and change logs.
• Standardize and automate recurring planning and reporting processes, resolve data discrepancies with responsible departments, and oversee financial analysis for due diligence and other special projects.

Requirements

• At least 20 years of progressive finance experience, including a minimum of eight years leading FP&A or financial planning teams.
• Demonstrated experience in a senior finance leadership role.
• Extensive, hands-on knowledge of both U.S. GAAP and IFRS, with demonstrated ability to apply both frameworks to financial planning and reporting.
• Expertise in financial modeling and scenario analysis.
• Proven record of working with department heads and presenting financial plans, results, and recommendations to executive teams, investors, and boards.
• A recognized professional qualification, such as CPA, CA, or equivalent, and a degree in finance, accounting, or economics.
• Advanced Microsoft Excel skills, including the ability to build, connect, and review three-statement financial models and reconcile outputs to source data and financial statements.
• Sound financial judgment and the ability to identify significant performance drivers, assess assumptions, and resolve gaps in financial and operational data.
• Excellent written and verbal English communication skills, including the ability to explain financial results, assumptions, and risks to finance and non-finance stakeholders.
• Demonstrated ability to manage competing priorities, recurring deadlines, and a remote finance team.

Preferred Qualifications

• Experience as a divisional CFO of an international entity.
• Experience in commercial lending, mortgage lending, specialty finance, banking, or another financial-services environment.
• Experience overseeing lending portfolio analysis, liquidity and capital planning, financing facilities, and covenant forecasting.
• Experience improving or automating financial planning, modeling, and management reporting processes.

Compensation & Benefits

• Compensation in USD.
• Benefits include paid time off (PTO).

Location / Work Requirements

• Must be available to work Monday–Friday, 9:00 AM – 6:00 PM Eastern Time.
• Must have a stable internet connection and professional remote working setup.
• Resume must be submitted in English to be considered.
• Fully remote work environment.