Finance Manager - FP & A (Ghana only)

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

1. 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

1. 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

1. 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

1. 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

1. 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

1. 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

1. 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.