Finance Manager - FP & A (Ghana only)

JOB DESCRIPTION: FP&A MANAGER The FP&A Manager shall play a central role in driving financial performance across a high-volume, transaction-driven remittance business. This role combines financial planning, treasury insight, FX performance analysis, and commercial business partnering. Key Responsibilities Financial Planning & Analysis (Transaction-Driven) Lead and support budgeting, forecasting, and long-range planning across corridors, products, and entities Build and maintain driver-based financial models, including: Transaction volumes (send/receive) Take rates and fee structures FX spreads and margins Customer acquisition and retention metrics Perform detailed variance analysis: Volume vs price vs FX impact Corridor-level profitability Develop dashboards tracking: Revenue per transaction Contribution margins by corridor/product Cost-to-serve per transaction Improve forecast accuracy, particularly in volatile FX environments 2. Treasury & Liquidity Business Partnering Partner closely with Treasury to: Monitor daily liquidity positions across currencies and accounts Forecast funding requirements by corridor and partner Support pre-funding and settlement optimization strategies Analyze idle cash, trapped liquidity, and float income opportunities Support optimization of settlement cycles, nostro/vostro balances, and working capital Provide insights on cost of funds and liquidity efficiency 3. FX Performance & Risk Analysis Track and analyze FX margins across corridors and products Monitor FX exposure and volatility impacts on profitability Partner with Treasury to evaluate: Hedging strategies (where applicable) Pricing adjustments based on market movements Produce regular reporting on: Realized vs expected FX margins Slippage, leakages, and pricing inefficiencies Support development of dynamic pricing and FX optimization models 4. Business Partnering (Commercial & Operations) Act as finance partner to: Sales / Growth → pricing, promotions, customer economics Operations → cost efficiency, partner payouts, processing costs Product / Tech → ROI on new features and integrations Evaluate: New corridor launches Partner pricing agreements Campaign and incentive effectiveness Translate business initiatives into clear financial outcomes Challenge assumptions and ensure disciplined capital allocation 5. Performance Management Track core fintech KPIs: Transaction volumes & growth rates Revenue, take rate, and FX margin Customer acquisition cost (CAC) & lifetime value (LTV) Contribution margin by corridor/product Identify profitability drivers and leakages Support monthly business reviews (MBRs) and performance deep dives Provide early warning signals on: Margin compression Liquidity strain Cost overruns 6. Special Projects & Strategic Initiatives Lead or support high-impact initiatives such as: New market/corridor entry business cases Pricing optimization and revenue enhancement strategies Cost reduction and operational efficiency programs Treasury and liquidity optimization frameworks Build vs buy decisions (payments infrastructure, FX providers, etc.) Partnership and M&A analysis (if applicable) Deliverables include: Financial models Investment appraisals (NPV, IRR, payback) Executive-ready recommendations 7. Reporting & Executive Communication Prepare board and investor-level reporting, including: Revenue and margin analysis FX performance Liquidity and treasury insights Present insights in a clear, commercial, and decision-focused manner Support leadership with scenario analysis and stress testing 8. Process, Data & Systems Improve data integrity and financial visibility across systems Drive automation in: Transaction reporting FX tracking Liquidity dashboards Collaborate with Data/Engineering teams on finance data models Enhance FP&A tooling (e.g., Power BI dashboards, forecasting systems) Qualification and Experience Requirements Master’s degree in Finance, Accounting, Economics, Business Administration or a related discipline. Professional qualification such as ACCA, CIMA, CA Ghana, or an equivalent qualification. Minimum of five years’ relevant experience in financial planning and analysis, management accounting, commercial finance, treasury or corporate finance, including at least two years in a supervisory or assistant-manager role. Experience within fintech, remittances, payments, banking, telecommunications or another high-volume, transaction-driven business is strongly preferred. Strong experience in budgeting, forecasting, financial modelling, variance analysis, and management reporting. Advanced proficiency in Microsoft Excel and financial modelling. Experience with Power BI or similar business intelligence tools is required. Experience working with large transaction datasets and collaborating with Data or Engineering teams. Knowledge of SQL or other data-analysis tools would be an advantage. Excellent analytical, problem-solving, communication, and stakeholder-management skills. High level of integrity, attention to detail, commercial awareness, and professional judgement.