Senior Financial Analyst (FP&A)

Who We Are

At Momentum Financial Services Group, we help people move forward by reimagining how money works for those who need it most. With more than 40 years of experience, we’re the team behind Money Mart—Canada’s largest non-bank branch network—and a leader in financial solutions for underserved communities.

From short-term loans to money transfers and prepaid cards, we power the products, technology, and operations that connect over a million customers a year to the money they need, when they need it.

At MFSG, we come together across teams and departments to create something bigger than ourselves: solutions that remove barriers and give people access to money they might not get anywhere else. Whether you\'re solving problems, building systems, or shaping strategy, your work fuels real support for real people.

We’ve Got You Covered

• Compensation Philosophy:Our strategy is simple—we aim to match the market. We regularly review industry standards to ensure our total rewards package is competitive and fair. This commitment helps us attract and retain talented individuals who share our purpose.
• Discretionary Annual Bonus:Enjoy the opportunity for a discretionary bonus based on individual performance and company success.
• Comprehensive Benefits:Our benefits include health and dental plans with 100% of the premiums covered. We also offer an Employee Assistance Program to support your mental well-being and provide resources for personal challenges.
• Retirement Plans:Plan for your future with our robust retirement savings options, ensuring you\'re set for the long haul.
• Hybrid Work Environment:Experience the best of both worlds with our hybrid work model, allowing you to balance remote work with in-office. When you\'re at our corporate head office, enjoy a relaxed and collaborative environment featuring breakout rooms for brainstorming and unwinding, plus a variety of snacks to keep you energized throughout the day.
• Perks and Rewards:Enjoy reimbursement for tuition assistance and professional development, discounts through Perkopolis and participate in our rewards and recognition programs to celebrate your contributions.

The Job: Senior Financial Analyst, FP&A

The Senior Financial Analyst, FP&A is responsible for financial analysis and report generation activities in a manner designed to protect assets, meet reporting requirements, and provide timely, meaningful reporting of operations in changing environment.

What You’ll Do

Forecasting & Financial Planning:

• Lead the recurring forecasting process, including the collection, consolidation, and validation of financial projections across multiple regions and product lines.
• Perform detailed variance analysis to identify key drivers, underlying trends, and performance gaps relative to budget, prior forecast, and prior year.
• Develop comprehensive analytical packages and executive-ready materials that clearly articulate financial insights and support senior leadership’s decision-making.
• Annual Budgeting
• Assist in the development of annual budgets by partnering with market CFOs and business leaders to understand strategic priorities, operational assumptions, and expected financial outcomes.
• Build and refine P&Ls for assigned regions and products, ensuring alignment with corporate objectives and strategic initiatives.
• Prepare thoughtful Risk & Opportunity assessments and communicate implications to department management, including Sr. Director, VP, and SVP stakeholders.

Management & Board Reporting:

• Executive & Board-Level Presentations
• • Support the preparation of Board of Directors reporting materials, including the creation of strategic narrative, analytical exhibits, and supporting schedules that highlight business performance and strategic milestones.
  • Develop and refine presentation content used by senior leadership to communicate strategy, financial results, and forward-looking expectations to the Board and other key governance bodies.
• Executive Committee Reporting
• • Manage the monthly Executive Committee financial results package, ensuring accuracy, completeness, and clarity of financial commentary and KPIs.
  • Collaborate closely with market CFOs to interpret trends, explain budget variances, and identify business drivers to enhance executive-level transparency and decision-making.

Liquidity & Cash Flow Management:

• Assist in preparing short- and long-term liquidity forecasts, integrating inputs from treasury, markets, and business units to provide a holistic view of cash needs and funding requirements.
• Identify and communicate liquidity risks and opportunities in a timely manner to enable leadership to take proactive, strategic actions.
• Support scenario analysis and sensitivity modeling to evaluate potential impacts of market shifts, operational changes, or strategic initiatives on liquidity.

Financial Analysis & Modeling:

• Conduct ad hoc analyses to support strategic, operational, and financial initiatives, including revenue/cost forecasting, margin analysis, and profitability assessments.
• Build financial models to evaluate business performance, assess risk/return trade-offs, and quantify the impact of strategic decisions.
• Apply statistical and analytical techniques to develop meaningful insights that inform recommendations for senior management.

Cross-Functional Collaboration & Strategic Support:

• Partner with finance, strategy, operational, and regional leadership teams to ensure alignment on financial plans, assumptions, and reporting outputs.
• Serve as a key resource to senior leaders by providing clear, data-driven insights that support both short-term actions and long-term strategic planning.
• Continuously improve forecasting, reporting, and analytical processes to enhance accuracy, efficiency, and strategic value.

What You’ll Bring to the Table

• Ability to manage multiple projects, to communicate clearly and professionally with all levels of management, ability to create and analyze financial statements and communicate results to management.
• High level of proficiency in MS Office
• Advanced financial modeling skills, including scenario analysis, sensitivity modeling, and cash flow forecasting.
• Strong proficiency in Excel (pivot tables, complex formulas, modeling) and financial planning tools (e.g., Anaplan, Adaptive Insights, Hyperion, or similar).
• Ability to interpret complex financial data and distill insights into clear, actionable recommendations.
• Exceptional written and verbal communication skills, with the ability to present complex financial concepts in a clear, concise, and executive-ready manner.
• Proven ability to craft polished presentations for senior management and Board-level audiences.
• Demonstrated ability to influence decision-making through analytical reasoning and well-supported recommendations.
• Strong problem-solving mindset with the ability to operate both strategically and tactically.

Education + Experience

• Bachelor’s degree in Finance, Accounting, Economics, or related field required.
• Min of 3-5 years of a demonstrated history of progressive responsibility in accounting and finance roles
• Experience using general ledger systems, data cubes.
• Demonstrated experience performing variance analysis, financial modeling, and data-driven performance assessments.
• Experience with Oracle, Tableau, Power BI, Sigma, and Hyperion is a plus.

Ready to apply your Financial Analysis expertise to make a real impact? Join us and help shape the future of tech at MFSG. Apply today and let’s build the future of MFSG, together.

Committed to Equal Opportunity: MFSG is committed to accommodating applicant s up to the point of undue hardship during the recruitment, assessment and selection process. If you are selected for an interview, please notify MFSG if you require accommodation in respect of the materials or procedures used at any time during this process. If you require accommodation, MFSG will work with you to determine how to meet your needs.

Please note: The salary range, inclusive of bonus, for this position is between C$ 90,000 to C$ 135,000.

About MFSG – Our Commitment to Responsible Innovation

At MFSG, we are committed to building innovative solutions grounded in ethical, transparent, and responsible use of data and technology. Aligned with the principles outlined in Canada’s Artificial Intelligence and Data Act (AIDA), we take a proactive approach to ensuring that any AI or data-driven systems we use are safe, fair, and accountable.

This posting is for a current positionwithin our organization, offering the opportunity to contribute to meaningful, responsible innovation that supports our employees, clients, and communities.

We prioritize strong data governance, clear communication around how systems work, and safeguards that reduce risks and protect individuals. Our focus is on developing tools and processes that promote equity, reliability, and trust, supported by ongoing monitoring and continuous improvement.

Joining MFSG means contributing to a future-focused organization that values both innovation and integrity, where your work helps shape solutions that responsibly support our employees, clients, and communities.

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