FP&A Manager

About Aplazo

Aplazo is Mexico’s leading “buy now, pay later” platform, giving consumers flexible, transparent payment solutions while helping merchants grow their sales. We’re a fast-growing Series B fintech backed by top global investors, combining technology, data, and design to redefine financial access.

Role's Mission

The FP&A Manager owns the financial models, forecasts, and analysis that turn Aplazo's numbers into decisions. This role sits at the intersection of Finance, Risk, and the business-building the forecasts leadership relies on, tracking the unit economics that drive the BNPL model, and flagging what's changing before it shows up in the P&L. Reporting to the Finance and Strategy Lead, you'll own core financial processes end-to-end while partnering closely with Commercial, Risk, and Product teams.

Key Responsibilities

• Financial Reporting: Analyze variances against budget/forecast and identify one-off or extraordinary impacts before they distort the picture.

• Budgeting and Forecasting: Build, update, and defend the monthly forecast and budget-vs-actual cycle that leadership uses to make decisions.

• Financial Modeling: Develop advanced models that project P&L, cash flow, and balance sheet five years out, and maintain unit-economics models that scale as the business grows.

• Unit Economics Analysis: Analyze core BNPL unit economics-GMV, take rate, approval rate, cost of risk-and how they move together.

• Leadership and Board Reporting: Prepare clear, accurate reporting materials on a tight deadline.

• Digital Transformation: Automate and improve reporting, replacing manual spreadsheet work with repeatable, self-serve processes.

Requirements

Must Have

• 3+ years in FP&A, corporate finance, private equity, or other strategic finance roles

• Advanced Excel/Google Sheets and financial modeling (three-statement models, unit economics)

• Bachelor's in Finance, Economics, Business Administration, Accounting, or related field (or equivalent demonstrable experience)

• Strong written and verbal communication-can explain a variance to a non-finance audience

Nice to Have

• Experience in fintech, BNPL, lending, or payments

• Python for financial analysis or automation

Key Skills

• Financial modeling

• Strategic vision

• Precision under deadline

• Results orientation

• Clear communication

Languages

• Spanish (native/advanced)

• English (advanced)

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