FP&A Manager

LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.

With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. ABOUT THE ROLE LemFi is building the financial home for the world's immigrants - multi-currency accounts, remittances, savings, credit and eSIMs across 21 countries and growing. Strategic Finance sits at the centre of that growth: we hold the forecast, challenge the numbers and make sure leadership and investors see a clear, honest picture of the business.

This is the first hire into the FP&A function, reporting directly to the Head of Strategic Finance and FP&A. You will own the full engine: the integrated model, the monthly forecast and BvA cycle, the management pack, and investor and lender reporting. Your numbers go in front of the Board, our investors and our lenders. You will work hand-in-hand with department heads across Growth, Product, Operations and Risk, and have direct exposure to the executive team on commercial and strategic decisions.

WHAT YOU'LL BUILD AND OWN - Run the monthly forecast and integrated three-statement model - cash runway, revenue, headcount and provider costs - keeping every model reconciled to actuals and documented to a standard anyone can follow. - Own the BvA cycle end to end: gather commentary, challenge variances, and hold budget owners accountable for their numbers every single month. - Produce the monthly management pack and KPI reporting for the executive team and Board, and prepare investor and lender reporting including covenant and facility tracking. - Partner with budget owners across Growth, Product, Operations and Risk on their plans, forecasts and spend - be the finance voice that pushes back with data, not just a service desk. - Build robust business cases for new products, corridors, markets and partnerships, including scenario and sensitivity analysis for leadership and the Board. - Support fundraising, M&A modelling and diligence as needed - your models will be in the data room. - Pull, structure and automate recurring data from NetSuite, the data warehouse and operational systems, using AI where it saves you time and improves accuracy.

YOUR EXPERIENCE - 3-5 years in FP&A, strategic finance, transaction services or a modelling-heavy consultancy role (Big 4, strategy or deals). - Excellent three-statement modelling skills: driver-based forecasting, scenario and sensitivity analysis, built cleanly and to best-practice standards. - Solid accounting foundations: you can link P&L, balance sheet and cash flow, and reconcile a forecast to the ledger without hand-holding. - Strong data skills and confidence with large datasets; comfortable pulling and structuring data independently. - Clear, direct communicator: you can explain the numbers to non-finance stakeholders and push back where the numbers do not support a decision. - High ownership and attention to detail - you do not wait to be asked and you do not let things fall through the cracks in a fast-moving environment.

NICE TO HAVE - Capital markets exposure: equity fundraising, debt facilities, investor reporting or M&A diligence. - Experience in payments, remittance, lending or another regulated financial services business. - NetSuite, BI tools, SQL or automation experience (Python or similar); professional qualification (ACA, ACCA, CIMA or CFA). WHY JOIN LEMFI? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion.

We're changing this. At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android.