Johannesburg: Finance Manager – Consumer Lending

They are seeking a highly skilled and strategic Financial Manager to take full responsibility for managing the financial performance of their loan products. This role involves overseeing the product P&L, developing robust financial models, and ensuring compliance with accounting standards and regulatory frameworks. Youll play a key role in guiding business decisions, improving processes, and working cross-functionally to achieve financial goals. Key Responsibilities: Take ownership of the loan product P&L, ensuring profitability and alignment with business objectives. Develop, maintain, and enhance financial models and forecasts, covering demand, revenue, and risk. Manage and oversee reconciliations across bank accounts, systems, and revenue streams. Review and approve bad debt write-offs in line with company policies. Oversee the refund approval process, ensuring adherence to internal controls. Collaborate with the FP&A team to align forecasts and maintain consistency across financial projections. Maintain and account for Year-to-Maturity (YTM) models on a monthly, annual, and audit basis. Ensure compliance with relevant accounting standards and regulatory requirements in all financial reporting. Oversee the operations of Special Purpose Vehicles (SPVs), including reconciliations, invoicing, and financial record-keeping. Work closely with IT to ensure seamless integration of loan products with accounting systems. Partner with internal auditors to maintain strong financial controls and governance. Qualifications & Experience: BCom in Accounting or Finance (Honours preferred). 58 years experience in a similar finance role, ideally within a financial institution. Proven expertise in financial modelling, forecasting, and P&L management. Solid understanding of accounting standards and regulatory frameworks. Strong analytical and problem-solving abilities with a keen eye for detail. Excellent communication and collaboration skills across teams. Proficiency with financial systems and tools; experience with loan product integration advantageous.