About the role
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 Opportunity
The Finance & Strategy Manager owns the financial plan that Aplazo’s leadership, board, and lenders make decisions from. You will own the integrated model and the forecast that sit underneath our capital raises, credit facilities, and board materials, and you will be the person who defends those numbers when an investor, a lender, or the CEO pushes on them.
This is a high-impact role with ownership from day one:
- Build the finance infrastructure: planning tooling, data models, reporting
- Partner with Commercial, Risk, and Product on strategic decisions that move unit economics
- Interact with investors and lenders
Key Responsibilities
- Planning & Forecasting: Own the annual budget and the monthly forecast cycle end-to-end; build it, defend it, and hold the business accountable to it
- Financial Modeling: Own Aplazo’s integrated three-statement and unit-economics models, including different scenarios used for fundraising, credit facilities, and board planning
- Investor, Board & Lender Reporting: Prepare board materials, investor updates, and lender reporting packages. Support diligence processes and respond to investor and lender questions directly
- Unit Economics & Business Partnering: Own the analysis of GMV, take rate, approval rate, and cost of risk; how they move together, what is driving them, and what the business should do about it. Partner with Commercial, Risk, and Product on pricing, credit policy, and growth decisions
- Performance Management: Run the monthly business review: variance against budget and forecast, one-off versus structural drivers, and a clear point of view on what changed and why
- Systems & Automation: Move planning off manual spreadsheets. Own the planning tooling, data models, and self-serve reporting that let the function scale
Requirements
Background
- 5+ years across investment banking, private equity, growth venture capital (or strategic finance/FP&A at a high-growth company)
- Track record of leading complex financial analysis
- Bachelor’s in Finance, Economics, Business Administration, Engineering, or a related field (or equivalent demonstrable experience)
Must Have
- Expert financial modeling: integrated three-statement models, scenario and sensitivity analysis, and unit-economics models built from scratch
- Demonstrated ownership of a model or forecast relied on by external parties (investors, lenders, a board, or an investment committee)
- Advanced presentation skills: builds board decks, investor updates, and lender materials to an external standard
- Strong written and verbal communication: can explain a variance to a non-finance audience and hold a position with senior stakeholders
- Commercial judgment: understands what drives business value beyond the spreadsheet, and can tell which variances matter
- Precision under deadline: detail-oriented in the model, without losing the strategic perspective behind the numbers
- Fluent in Spanish and English, written and spoken
Nice to Have
- Lending, BNPL, payments, or specialty finance experience; particularly credit unit economics, loan-loss modeling, or portfolio analytics
- Exposure to capital raising, debt facilities, or M&A due diligence
- SQL and/or Python for financial analysis and automation
- MBA or CFA
Languages
- Spanish (native/advanced)
- English (advanced)
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